System Requirements

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Moneylender Minimum System Requirements

Moneylender is a lightweight program and needs minimal resources to run. As the number of loans in your portfolio increases, the amount of memory Moneylender uses will increase. This increase isn't particularly noticeable until you have several hundered loans in your portfolio. The largest production portfolio we're aware of has 70,000 loans in it. Several Moneylender users have more than 10,000 loans.

Windows Operating System Required

Microsoft Windows
  • Windows 10 and 11
  • Windows Server 2016, 2019, 2022
  • (if on Mac, you can use Parallels to emulate Windows and run Moneylender)

Scroll down for more minimum system requirements and further info...

Minimum & Recommended Hardware

Up to 100 Loans (Minimum Requirements)

  • 1GHz Processor
  • 4GB RAM (Moneylender will use about 500MB of RAM at 100 loans)

Up to 100 Loans (Recommended)

  • 2GHz Processor
  • 8GB RAM
  • SSD Hard Disk

Up to 10,000 Loans (Minimum Requirements)

  • 2.5GHz Processor
  • 8GB RAM (Moneylender might use around 2.5GB of RAM with 10,000 loans)

Up to 10,000 Loans (Recommended)

  • 3GHz Processor
  • 12GB RAM
  • SSD Hard Disk

Scale Accordingly For More Loans

Enterprise Environments - Caution

Many enterprises make use of network storage systems and virtual machines to simplify deployment, data backup and application management. These systems are not always compatible with Moneylender’s file system. Moneylender was built with the expectation of low-latency, minimally-cached access directly to the physical store where the loan data is stored. It works very well for local hard drives. When reading and writing of loan data is routed through various nodes that introduce latency or uncertainty in which location contains the known good file, there have been issues reported where seemingly arbitrary data is absent (usually first discovered because loans are suddenly missing payment records) from the portfolio.

A network storage device is not advised for the location of the main portfolio file. Instead, use the local hard drive of the primary computer that is running Moneylender as the location of the file, and then enable Moneylender’s automatic backups to point to a network share. Data corruption has been observed to occur very rarely, so a deployment using a network share as the location for a portfolio may seem to work fine at first, but as the number of loans and records grow in the portfolio, the demands on the file system increase and problems will eventually emerge.

This same problem can occur with files on a USB drive. It’s better to house the actual portfolio on a local SSD or HDD and have Moneylender autobackup to a USB drive. The extra layers of caching and latency have been observed to cause corruption, albeit very rarely.

If a specific user’s workstation is deemed unsuitable for storing the portfolio, even when the portfolio will auto-backup constantly (can be set as low as every five minutes) to the network share, you can set up a dedicated server to run Moneylender as the host for the users to connect with through the network. A separate license is required for the standalone host computer.

Tips for Better Performance

Report generation times will naturally increase as the loan counts get into the thousands and tens of thousands, because Moneylender loan servicing software is having to sift through multiple millions or hundreds of millions of individual transactions when compiling numbers for reports. Balance calculations, record updates, and statement printing should still be quite responsive, even with very large numbers of loans.

With 100 loans on a fast computer, a financial activity report might take less than a second to load. But with 10,000 loans it might take five minutes to compile. Happily, you can keep working with negligible effect on usability while the report is being compiled. When the report begins to load its 10,000 rows into the report viewer, it might lock the application for a good 30 seconds as it performs the screen layout on the individual visual components of the report preview.

Having an SSD (Solid State Drive) hard drive instead of a spinning disk will make a noticeable improvement on performance, especially when the program is closed unexpectedly – like a power outage or an uppity Windows update. Moneylender will need to rebuild the portfolio's index. This process can be much faster on an SSD.

Running out of Hard Drive space or available RAM will bring Moneylender, along with everything else on your computer, to a grinding halt, so always make sure your primary hard drive has a handful of free space (5 or 10GB at least), and that you have a GB or two of unused RAM when you computer is running your normal programs. Reaching the limit of RAM or Disk Space will kill your system performance, including Moneylender.


Demo It Or Purchase

$0.00 demo


  • Run Moneylender to See It Work
  • Will Run in Demo Mode until Purchased
  • Try It on Your Loans
$489.00 per license


  • One Time Charge Per License
  • Minor and Revision Updates Included
  • Can Move License to New Device

Powerful Loan Software With Many Features