Tenants
I. Understanding Tenants in modern software
Defining isolated workspaces
In lendng software, a tenant is a separate instance or environment within a company's account. Each tenant operates as an independent workspace with its own loan portfolios, configurations, and data.
Most lenders use multiple tenants to separate their testing and production environments. A typical setup includes a sandbox tenant for experimenting with new configurations and a production tenant where live loan operations run. Each tenant maintains complete data isolation, ensuring testing never interferes with actual borrower accounts.
Why lenders use multiple tenants
Beyond basic testing, multiple tenants solve real operational challenges. Organizations running multiple business units can give each one its own tenant with tailored configurations and reporting, while maintaining unified data architecture. Companies expanding into new markets or products can build and test those offerings in isolation before launch.
Some lenders maintain separate tenants for regulatory or compliance reasons, particularly when operating across different jurisdictions with distinct reporting requirements. Others use additional tenants for training new staff or demonstrating products to potential partners without exposing live data.
II. Tenant isolation and cross-tenant access
How data separation works across tenants
Each tenant maintains strict data isolation at the database level. Loan data, customer information, and system configurations in one tenant remain completely separate from others, even within the same company's account.
When agent users log into LoanPro, they access a specific tenant. Companies can grant cross-tenant access to team members who need to work across multiple environments, allowing them to switch between tenants using the same login credentials.
Replicating configurations between tenants
While tenants are isolated, lenders often want to replicate successful configurations from sandbox to production. This might include loan product structures, automated workflows, or custom reporting setups that have been validated in testing environments.
Organizations on VPC plans with staging tenants get extended testing windows of up to 45 days before platform updates roll to production. This gives larger operations time to validate that new LoanPro features integrate smoothly with their existing customizations.
III. Strategic benefits of multiple tenants
Risk mitigation and validation
Multiple tenants fundamentally change how lenders approach operational changes. Instead of implementing new hardship programs or collections strategies directly in production and hoping they work, teams validate the full borrower experience and agent workflows in sandbox environments first.
This staged approach also protects against integration issues. When connecting new payment processors, credit bureaus, or third-party services, lenders can test the entire data flow in a sandbox tenant before routing real transactions through those systems.
Parallel operations without compromise
Multiple tenants enable lenders to run fundamentally different lending programs on the same platform. A lender offering both consumer installment loans and commercial equipment financing can configure each tenant to match that product's specific calculation methods, payment schedules, and compliance requirements without forcing compromises between programs.