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, so the book can be read at any moment.
These businesses run on a book of loans, chit (rotating savings group) tickets, policies, investment folios or merchants, and the income lasts only while that book stays alive. Follow-up is the daily work. It is done from a diary, a sheet or a phone, with instalments collected, premiums renewed, regular investment plans kept running and payouts expected at the agreed rate.
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. Field staff hand over collection slips, renewal dates sit in personal diaries, and scanned papers drift through chat groups, which leaves nobody holding the complete file for a client. Every partner statement is ticked off by hand.
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 tax ID copies, identity-check forms and bank statements also need access limited by role, so each file opens only for 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
- Housing finance companies
- Cooperative banks
Software for each kind of financial services business.
Non-banking finance companies
Smaller non-banking finance companies lend against used vehicles, gold, property or business cash flow. Many run the loan book across a vendor system, Excel and an accounting package. Sanction notes sit in email, field receipts in receipt books and the days-past-due (DPD) position in a sheet rebuilt each month. The loan management system keeps application, sanction, disbursement, EMI schedule, collections and collateral on one record. Edits to a loan are stamped with the user and the day.
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 card and bank-transfer volume through an acquirer, and pays out net of fees on a cycle. Money moves in the processor while identity-check files, rate sheets and representment evidence live in shared drives and mailboxes. What we would build joins the merchant file, rate card, payout batches, rolling reserve and dispute queue, so finance sees what is owed, to whom and why.
Learn moreLoan agents and DSAs
A loan agent, or direct selling agent, places files with many lenders over chat messages and a lead sheet, so files stall and payouts go unchecked. The software tracks enquiries, document checklists and sanctions, and it adds the payout ledger and the connector ledger that a loan agent depends on every month. Every file has an owner.
Learn moreChit fund companies
Chit fund companies run groups, monthly auctions, dividends and agent collections across registers and spreadsheets. The software holds each group, auction, due, collection and payout in one place. Each chit group, the foreman commission and every auction sit in one record, and a prize payout is linked to the security the subscriber gave.
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 you 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 gives you.
Learn moreGeneral insurance agents
General insurance agents track renewals in a spreadsheet of expiry dates spread across insurer portals, with quotes and claim papers on WhatsApp. The 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 consolidated statements, platform logins and one long spreadsheet, so a review takes an evening and the actions agreed in it slip. This software sits around your platforms. It holds a family-wise client book, funds and regular investment plans on one screen, review dates, tasks that close only on proof, and a document trail.
Learn moreMutual fund distributors
Mutual fund distributors work from registrar mailbacks, a back-office package and one chat thread per family, so a failed SIP debit can surface weeks late. The CRM and follow-up layer a back office lacks sits on top of the reports you already download from the registrars and fund houses. It watches mandate failures, KYC holds, leads and short trail brokerage.
Learn moreStock brokers
Authorised persons and sub-brokers live on the main broker’s ledger exports and a monthly sharing statement, while client calls go unlogged. A client and revenue layer can sit beside those systems and never inside the order-routing terminal. Dormant client codes, stalled account openings and short-paid brokerage then have somewhere to surface. Nothing here touches an order.
Learn moreBanks
Banks run customer files, loan applications, sanction letters, collateral, service requests, complaints and overdue 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. This product puts the deal pipeline, diligence files, committee approvals and quarterly company numbers into linked records. Investor commitments, capital calls and distributions sit beside them, so a partner finds one answer in one place.
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. Each engagement carries its due date, document requests, reviewer sign-offs and invoice together, so a partner spots the overdue ones well before any filing date passes.
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. This software 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 moreHousing finance companies
Housing finance companies lend against homes, plots and construction, so every loan carries a property file, a valuation and a release schedule tied to building progress. Our housing finance software holds applicant, property, sanction, tranche and repayment on one loan record. Sanction conditions and the title and valuation paper checklist differ by country. Your credit team writes them out with us, and the loan file is set to demand those papers before the first release.
Learn moreCooperative banks
Cooperative banks are owned by the members they serve, and they take deposits and lend within that membership. The management software holds each member with share capital, savings, deposits and loans on one record, and ties daily collections and branch cash to it. Each registrar sets its own rules and return formats, so your compliance officer reviews the return layouts with us during installation.
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, instalment 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
Accounting software, WhatsApp, payment gateways, tax portals and your own apps sharing one set of numbers.
Learn moreData Protection and Privacy Readiness
Personal data hides in odd places. We map every CRM, billing export, enquiry inbox and backup that holds it, then build consent records, access roles, retention jobs and a breach runbook into the software. Your lawyer reads the privacy law.
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.
How to Choose Software for a Lending, Insurance or Broking Business
Lenders, chit companies, insurance advisors, distributors and brokers can choose software by what it records. Here are the checks to run first.
Learn moreLoan management software: what a lender needs from day one
Follow a loan from application to closure and see which records the software must hold: schedule, receipts, penalty, restructure and the closure papers.
Learn moreBank reconciliation: why partner payouts never match the statement
Find out why settlement credits differ from your records: netted fees, bundled batches and timing cut-offs, and how matching rules clear each one.
Learn moreWhy field collections reach the office a day late
Trace the delay between cash taken at a borrower’s door and its posting in the loan book, and see how same-day receipt capture closes the gap.
Learn moreQuestions financial services businesses ask.
Does one product cover every business in this group?
No. The loan management product suits lenders, and the reconciliation product matches bank and partner statements line by line. Insurance advisors, brokers, chit companies and wealth managers get a system set up around their own policies, folios and tickets.
Will using this satisfy our regulator?
No. It records what you enter and what was done, when and by whom, while 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, and the software holds the records around them.
Does a small client book justify it?
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.
A few lines on your spreadsheets, software and WhatsApp groups is enough. We reply the same working day.
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