Keep every instalment, premium, payout and approval on the book, with statements matched line by line.
Lenders, chit companies, insurance advisors, distributors, brokers and payment firms earn from a book of loans, tickets, policies, folios or merchants. The software here follows each account’s dues, receipts, papers and approvals, and matches what partners pay against what was sold.
These businesses run on a book of loans, chit tickets, policies, folios or merchants. Income depends on the book staying alive. That means instalments collected, premiums renewed, SIPs kept running and payouts arriving at the agreed rate. Follow-up is the daily work, and most of it is done from a diary, a sheet or a phone.
The licensed platforms stay where they are: the insurer’s portal, the exchange, the payment gateway, the back-office package and the bank. What sits around them is manual. Due dates live in a diary, receipts come in from the field, documents travel on WhatsApp, and statements from insurers, lenders or partners have to be matched line by line.
Two needs run through the group. A record of who approved what, and when, must exist because an auditor, a lender or a partner may ask for it. Client papers such as PAN copies, KYC forms and bank statements also need access limited by role, so that each file is opened only by the people handling it.
- Non-banking finance companies
- Business finance providers
- Microfinance institutions
- Payment service providers
- Loan agents and DSAs
- Chit fund companies
- Life insurance advisors
- General insurance agents
- Wealth managers and financial advisers
- Mutual fund distributors
- Stock brokers
- Banks
- Credit unions
- Private equity firms
- CPA firms
- Loan officers
Software for each kind of financial services business.
Non-banking finance companies
Smaller non-banking finance companies lend against vehicles, gold, property or business cash flow, and often run the loan book across a vendor system, Excel and an accounting package. Sanction notes sit in email, field receipts in notebooks and the DPD position in a sheet rebuilt each month. The loan management system keeps application, sanction, disbursement, EMI schedule, collections and collateral on one record, and every change carries a name and a date.
Learn moreBusiness finance providers
A business finance provider lends working capital, term loans and invoice-backed limits to companies, not to individuals. Each borrower has sanctioned limits, drawdowns, due dates, security and a stream of statements. We would build one file per borrower, with the limit and its use always in view.
Learn moreMicrofinance institutions
Microfinance institutions lend to women in joint liability groups, collect at centre meetings on a fixed cycle and close branch cash every evening. Group formation, loan files, the demand sheet and arrears sit across paper, Excel and a head-office system that branches update late. The loan management system keeps member, group, centre and loan on one record, and loan officers enter each receipt on the phone at the meeting.
Learn morePayment service providers
A payment service provider onboards merchants, routes transactions through banks and partners, and settles funds on a schedule. The money moves in one system while onboarding, disputes and support run in sheets and email. The software we would build keeps the merchant file, rate card, settlement runs, refunds and chargebacks together, so finance can see what is due, to whom and why.
Learn moreLoan agents and DSAs
Loan agents and DSAs place files with many banks and NBFCs over WhatsApp and an Excel lead sheet, so files stall and payouts go unchecked. Our loan management system tracks enquiries, document checklists and sanctions, and we add the payout and connector ledgers a DSA depends on. Every file then has a stage, a date and an owner.
Learn moreChit fund companies
Chit fund companies run groups, monthly auctions, dividends and agent collections across registers and Excel. The chit fund management software holds each group, auction, due, collection and payout in one place. It is set up around your groups and your commission rate, and each payout is tied to the security taken.
Learn moreLife insurance advisors
Life insurance advisors keep a premium-due diary, several insurer portals and decades of family history in their heads, so a lapse catches them off guard. A policy book arranged by family and due date, with reminders clients actually read and a list of maturities visible months ahead, is what this system provides.
Learn moreGeneral insurance agents
General insurance agents track renewals in an Excel sheet of expiry dates spread across insurer portals, with quotes and claim papers on WhatsApp. The general insurance agency software keeps every policy, endorsement, renewal date, claim and commission entry in one book across insurers. Motor renewal reminders go out before expiry, and each claim has one owner and one file. Commission is checked against insurer statements.
Learn moreWealth managers and financial advisers
Wealth managers keep each family’s portfolio in CAS statements, platform logins and one long Excel sheet, so a review takes an evening and the actions agreed in it slip. We add the layer around your platforms: a family-wise client book, folios and SIPs on one screen, review dates, tasks that close only on proof, and a document trail.
Learn moreMutual fund distributors
Mutual fund distributors work from CAMS and KFintech mailbacks, a back-office package and one WhatsApp chat per family. A failed SIP debit can therefore surface weeks late. We add the CRM and follow-up layer a back office lacks, wired to the reports you already download: mandate failures, KYC holds, leads, and trail brokerage that came up short.
Learn moreStock brokers
Stock brokers and authorised persons live on the main broker’s back-office reports and a monthly sharing statement, while client calls go unlogged. A client and revenue layer can be built around those systems, never the trading platform itself. Dormant clients, stuck account openings and short-paid brokerage then have somewhere to show up.
Learn moreBanks
Banks run customer information files, loan applications, sanction letters, collateral, service requests, complaints and delinquent accounts across branches and back offices, often in separate tools. The bank management software holds each customer once and carries every request, decision and document against that record. Branch managers, credit officers and operations teams read the same trail. The core ledger stays where it is.
Learn moreCredit unions
Credit unions are owned by their members, who save together and borrow from the pool. The credit union management software holds each member once, with share and savings balances, loan applications, committee decisions and arrears beside them. Staff, loan committees and volunteers read the same record. Rules for membership, dividends and lending differ by country, and they are set up and reviewed during implementation.
Learn morePrivate equity firms
Private equity firms track deals in spreadsheets, diligence documents in shared folders and portfolio figures in emailed packs. The product holds the pipeline, the diligence files, the committee approvals and the quarterly numbers on connected records. Investor commitments, calls and distributions sit beside them.
Learn moreCPA firms
CPA firms carry hundreds of client engagements with fixed deadlines and a chain of preparer, reviewer and partner. Organisers, workpapers, time and invoices usually sit in separate tools. The CPA product holds each engagement, due date, document request, review sign-off and invoice on one record, so a partner sees what is late before the filing date arrives.
Learn moreLoan officers
Loan officers originate mortgage and personal loans, working leads from referral partners and past clients. Applications, income documents, rate locks and underwriting conditions are usually tracked in an inbox and a pipeline sheet. The loan officer product keeps each borrower, loan file, document request, lock date and commission on one record, so a lapsing lock or an open condition is seen early.
Learn moreWhere these businesses lose time and money.
What we build across financial services.
Ready products that fit financial services.
Each one is adapted to how your business works before it goes live, and anything your trade needs that it lacks is added then. You are not paying to build the basics again.
Loan Management System
Enquiries, applications, sanction, disbursement, EMI schedules and field collections connected on one loan record.
Learn moreBank Reconciliation Software
Statement import, automated matching, part payments and bank charges, an exception list with reasons, month-end sign-off, the bank reconciliation statement and an audit trail.
Learn moreThe services behind it.
ERP, CRM and Business Software Implementation
One record of stock, orders, customers and accounts, set up so your team opens it every day.
Learn moreBusiness Process Automation
Approvals, reminders, follow-ups and reports that run on their own instead of on someone remembering.
Learn moreAPI and System Integration
Tally, WhatsApp, payment gateways, GST portals and your own apps sharing one set of numbers.
Learn moreData Protection and DPDP Readiness
Data protection and DPDP readiness work maps the personal data a business holds and builds consent records, access roles, retention rules and a breach response into its software. The legal reading of the Act stays with the client’s lawyer. Our part is the engineering and the documentation.
Learn moreCybersecurity and Application Security
Logins, roles, backups and data exposure checked, so a staff exit or a lost phone is not a crisis.
Learn moreWritten for financial services.
Practical notes on running the business, not product marketing.
Questions financial services businesses ask.
Does one product cover every business in this group?
No. The loan product suits smaller lenders, and a separate product serves chit companies. Life and general insurance advisors have their own products, while wealth, broking, distribution and payment businesses are built to order around their platforms.
Does the software make us compliant with a regulator?
No. It records what you enter and what was done, when and by whom. Returns, licences and compliance stay with you and your advisers.
Can it place trades, run a gateway or pull bureau reports?
No. Order routing, payment processing and credit bureau checks stay on the licensed platforms and portals. The software holds the records around them.
Is it worth it for a small book?
Maybe not yet. With a few dozen policies, a couple of chit groups or a handful of loans a month, a careful sheet and the insurer’s or lender’s portal can serve. It earns its place as the book grows.
Tell us how your business runs today.
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