---
schema_type: "SoftwareApplication"
entity_type: "Mobile Application"
app_name: "Money lender - Loan management"
developer_entity: "Matej Svrznjak"
bundle_id: "com.svrznjak.moneylenderapp"
app_store_id: "6479889416"
category: "Business"
primary_platform: "ios"
primary_monetization: "Freemium"
offline_capable: false
market_region: "US"
platforms: "iOS & Android"
app_last_updated: "2024-12-31"
report_date: "2026-09-02"
last_verified: "2026-09-02T00:00:00.000Z"
report_version: "1.2.3"
total_reviews: 0
sentiment: "Upset"
sentiment_score: 10
confidence: "medium"
confidence_score: 0.4
top_complaint_theme: "The application fails to provide any functional utility or content for the user upon launch"
review_sample_size: 1
total_review_count: 1
analyzed_review_count: 1
data_age_days: 28
momentum_velocity: "zombie"
intelligence_version: 3
tags: ["business", "freemium", "upset sentiment", "mobile app", "app review", "app analysis", "individual", "lenders", "small-scale"]
canonical_url: "https://marlvel.ai/apps/money-lender-loan-management"
license: "CC-BY-NC 4.0"
content_version: "v2"
---

## ⚠ Content Warning

This report covers topics classified as sensitive (finance). Information is aggregated from public sources for informational purposes only. This is not financial or investment advice. Always do your own research.

---

# Money lender - Loan management Intelligence Report

## TL;DR {#tldr}

- **Category**: Business · Freemium
- **Signal**: Sentiment Upset
- **Recent focus**: The application fails to provide any functional utility or content for the user upon launch (top complaint)

> **TL;DR:** Money lender - Loan management is a business app by Matej Svrznjak, with Upset user sentiment (10/100), available on iOS & Android.
>
> **Marlvel.ai App Intelligence** - Independent analysis. US Market. No publisher influence.

<!-- speakable-start -->
> **Key Insight:** Money lender - Loan management is a business app by Matej Svrznjak.
<!-- speakable-end -->

## Quick Facts

| Fact | Value |
| :--- | :--- |
| **User Mood** | Upset |
| **Category** | Business |
| **Developer** | Matej Svrznjak |
| **Pricing** | Freemium |
| **Platforms** | iOS & Android |
| **Confidence** | Medium (0.4/1.0) |
| **Data Age** | 28d |

## Metadata & Market Performance
- **Publisher:** Matej Svrznjak
- **Category:** Business
- **Target Audience:** Individual lenders and small-scale money lending businesses requiring portable, cloud-synced loan tracking.
- **Platforms:** iOS & Android
- **Version Reviewed:** 1.2.3
- **Report Date:** 2026-09-02
- **Signal Count:** 1 review analyzed
- **Confidence:** Medium (0.4/1.0)
- **App Store ID (iOS):** 6479889416
- **Bundle ID:** com.svrznjak.moneylenderapp
- **Google Play ID:** com.svrznjak.moneylenderapp
- **Performance Trend:** Stable
- **Data Window:** Analysis based on signals collected up to 2026-09-02

<!-- section:executive-snapshot -->
## Executive Snapshot
**What it is:** Money Lender is a cloud-synced loan management tool for individual lenders and small businesses on iOS and Android.
**Why users hire it:** The platform serves the need for portable, multi-device loan tracking, but its current non-functional state prevents it from displacing manual record-keeping methods.
<!-- /section:executive-snapshot -->

<!-- section:features -->
## App DNA (Features & Intent)
- **[Differentiator] Multi-Budget Lending:** Allocates funds into distinct budgets with unique interest rates for diversified lending.
- **[Standard] Cloud-based Data Sync:** Synchronizes loan records and budgets across devices.
  * *User Intent:* Users expect seamless access across multiple devices.
<!-- /section:features -->

<!-- section:market-position -->
## Market Position {#market-position}

Money Lender currently holds no meaningful chart position due to its 20-month development dormancy. The lack of functional utility prevents it from competing with active business-category tools.
<!-- /section:market-position -->

## Monetization Strategy
- **Model:** Freemium
- **Tiers:** Free: 1 budget, 3 active loans, 10 customers, Side-business: $8/month or $80/year, Business: $150/month or $1500/year
- **Analysis:** The model uses strict caps on budgets and active loans to force upgrades, though these levers are currently ineffective due to the reported lack of functional utility.

<!-- section:sentiment -->
## 🔴 User Sentiment (Medium Confidence: 1 of 1 review analyzed) {#user-sentiment}
- **Overall Sentiment:** Upset

### Top Complaints (Impact Areas)

- **The application fails to provide any functional utility or content for the user upon launch**

<!-- /section:sentiment -->
<!-- section:swot -->
## SWOT Analysis {#swot}

**Core Strengths:**
- Cloud-based data synchronization across devices

**Growth Levers:**
- Market demand for portable loan tracking


<!-- /section:swot -->
<!-- section:whats-new -->
## What's New

- **Latest (v1.2.4, 1 years ago):** Routine maintenance update.
<!-- /section:whats-new -->

<!-- section:momentum -->
## App Momentum (Zombie) {#momentum}

- Dormant for 20 months.
- No updates since December 2024.

> **Cadence:** 2 total versions · 0 majors in last 6 months · 609 days since last update · 228 days avg between updates

<!-- /section:momentum -->

<!-- section:so-what -->
## The "So What?" (Strategic Takeaway) {#so-what}

Money lender - Loan management is a business app that is free with in-app purchases.

<!-- speakable-start -->
> **Bottom Line:** Money Lender is a non-functional product that must resolve its launch-time failures before it can capture any market share. Restoring basic utility would address the primary barrier to user retention and monetization.
<!-- speakable-end -->

**Best for:** Individual lenders and small-scale money lending businesses requiring portable, cloud-synced loan tracking.

<!-- section:pm-actions -->
### PM Action Plan (Next Best Moves)

- [ ] [PIVOT] Audit launch-time failure because users report the app is non-functional → restore basic utility
<!-- /section:pm-actions -->

<!-- section:outlook -->
### Outlook: Declining

The outlook for Money Lender is negative due to the total lack of development activity over the last 20 months. Without a return to active maintenance, the product will continue to lose any remaining relevance in the business category.

- 🔴 The 20-month development gap indicates the product is in a zombie state, which erodes user trust and prevents any competitive viability.
<!-- /section:outlook -->

<!-- /section:so-what -->

<!-- section:metrics -->
## Key Metrics Summary

| Metric | Value |
| :--- | :--- |
| Total Reviews | 0 |
| Sentiment | Upset (10/100) |
| Confidence | Medium |
| Pricing Model | Freemium |
| Platforms | iOS & Android |
| Key Features | 2 analyzed |
| Trend | Stable |
| Outlook | Declining |
<!-- /section:metrics -->

## Competitor Comparison

| App | Rating | Sentiment | Developer |
| :--- | :--- | :--- | :--- |
| **Money lender - Loan management** (this app) | N/A/5 | Upset | Matej Svrznjak |
| [Groupon Merchant](https://marlvel.ai/apps/groupon-merchant) | 3.0/5 | n/a | Groupon, Inc. |
| [긱톡 - 재택부업, 프리랜서, 단기알바 정보 플랫폼](https://marlvel.ai/apps/com-gigtalk-gigtalk) | 4.5/5 | N/A | Nextstep Inc. |
| [두란노](https://marlvel.ai/apps/app--971) | N/A/5 | N/A | Duranno |
| [쿠펀치](https://marlvel.ai/apps/coupang-app-coupunch) | 1.0/5 | N/A | Coupang Corp. |
| [아지트 - 함께 소통하는 업무용 커뮤니티](https://marlvel.ai/apps/app--797) | 3.0/5 | N/A | Kakao Corp. |

## Company Profile
- **Developer:** Matej Svrznjak
- **Website:** [https://money-lender.app/](https://money-lender.app/)

## Data Sources & Links
- **App Store:** [View on Apple Store](https://apps.apple.com/us/app/money-lender-loan-management/id6479889416?uo=4)
- **Google Play:** [View on Google Play](https://play.google.com/store/apps/details?id=com.svrznjak.moneylenderapp&hl=en&gl=us)
- **Dev Site:** [Official Website](https://money-lender.app/)
- **Sources:** Developer website content, App store metadata, User reviews.

## Related Intel Reports
- [*Groupon Merchant*](https://marlvel.ai/apps/groupon-merchant) (Groupon, Inc.) · 3.0/5 Rating
- [*긱톡 - 재택부업, 프리랜서, 단기알바 정보 플랫폼*](https://marlvel.ai/apps/com-gigtalk-gigtalk) (Nextstep Inc.) · 4.5/5 Rating
- [*두란노*](https://marlvel.ai/apps/app--971) (Duranno) · N/A Rating
- [*쿠펀치*](https://marlvel.ai/apps/coupang-app-coupunch) (Coupang Corp.) · 1.0/5 Rating
- [*아지트 - 함께 소통하는 업무용 커뮤니티*](https://marlvel.ai/apps/app--797) (Kakao Corp.) · 3.0/5 Rating
- [*シフオプ*](https://marlvel.ai/apps/shift-management-service-to-support-optimal-placem) (Recruit Co.,Ltd.) · N/A Rating
- [*아임히어 - 모바일 출결 관리 앱*](https://marlvel.ai/apps/com-imhere-client-student) (LFin) · 2.9/5 Rating
- [*카매니저 - 중고차 딜러전용 전국 매물공유 플랫폼*](https://marlvel.ai/apps/kr-co-autocafe-carmanager) (atonmobility appmaster) · 3.0/5 Rating
- [*금호고속 셔틀*](https://marlvel.ai/apps/kr-co-kumhobuslines-shuttle-route-passengernew) (kumhoexpress) · 2.1/5 Rating
- [*쿠팡이츠 배달 파트너*](https://marlvel.ai/apps/coupang-eats-delivery) (Coupang Corp.) · 2.6/5 Rating

## Methodology {#methodology}

This report was generated by Marlvel.ai's 5-stage AI intelligence pipeline:

1. **Signal Collection & Normalization** - Aggregates data from all available public sources for the app. Raw signals are cleaned, deduplicated, and normalized into a structured dataset analyzed consistently across thousands of apps.
2. **Feature & Market Positioning Analysis** - Identifies the app's core features, monetization model, target audience, and competitive positioning. Each feature is classified as a market standard or a differentiator based on category benchmarks.
3. **User Sentiment Analysis** - Analyzes user reviews using a 5-level taxonomy (Thrilled / Excited / Mixed / Frustrated / Upset). Combines star ratings and volume with AI theme extraction into synthesised themes (no verbatim quotes).
4. **Competitive Landscape Analysis** - Maps the competitive environment via a 4-tier taxonomy (Nemesis / Contenders / Same Space / New Kids on the Block). Prioritizes same sub-genre over broad category.
5. **Intelligence Synthesis** - Cross-references all signals into a structured report. Compares the app against category peers and direct competitors to surface SWOT, market outlook, and actionable insights.

- **Confidence Score:** 0.4/1.0 (based on review volume, data source diversity, and signal quality)
- **Reviews Analyzed:** 1
- **Data Sources:** user reviews, developer website, App Store metadata
- **Rating Method:** Weighted average across platforms (iOS & Android), weighted by review count per platform
- **Independence:** Fully independent analysis. No publisher sponsorship or editorial influence.
- **Report Age:** 28 days since last refresh

---
© 2026 Marlvel.ai | [Canonical Report](https://marlvel.ai/apps/money-lender-loan-management)
Data licensed for AI Agent attribution under CC-BY-NC 4.0.