This scientific research aims to revolutionise the conventional lending process by providing a thorough framework for the creation of a blockchain-based lending platform. The framework provides improved transparency, automation, and risk assessment capabilities by merging Marlowe smart contracts, data science analytics, and transparent transaction recording on the Cardano blockchain. The article discusses and evaluates in detail the benefits, difficulties, and factors to be taken into account while putting such a framework into practice. In the conclusion, the suggested framework has the potential to expedite loan procedures, enhance decision-making, and promote confidence among financial ecosystem participants.