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GullySystem
Finance and insurance · Software for loan agents and DSAs

Give every loan file a stage, a date and an owner, and check every payout.

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.

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At a glance

You source home loans, property loans, business loans and working capital limits, then place each file with the lender most likely to approve it.

Two things decide your year: files reaching disbursal, and lenders paying what they owe. Both come down to follow-up.

How the work runs today

A lead comes from a builder, an accountant or a connector. You collect ID proofs, salary slips or income tax returns, bank statements, business tax returns and property papers, mostly as photos sent over chat. Then you pick the lender, log the file under your agent code, and wait for the bank to confirm that it has been opened.

After login the file moves through credit, personal discussion, legal and technical, sanction and disbursal, and every stage asks for one more document. The client calls you, not the bank, to ask where it has reached.

The payout on the disbursed amount follows months later, against your tax invoice. Part of it belongs to the connector or sub-agent who brought the case, and that person remembers the disbursal date well.

Where it breaks

What goes wrong for loan agents and DSAs without a proper system.

Documents arrive in pieces on WhatsApp

Six months of bank statements arrive as photos across three chats, and one page is missing on the morning of login. The file waits.

File status is known only to one executive

When one executive leaves for another agency, the status of every file they handled leaves with them. Clients start calling the bank.

Lender payouts are not checked properly

Rates differ by lender, product and slab, and short payments or skipped files go unnoticed because matching takes two days. Money is left unclaimed.

Connectors ask what they are owed

A sub-agent calls about their share from April, and there is no single record of which file was theirs and what has been paid.

What the software does

What we would build for loan agents and DSAs.

Named the way your team already talks about the work. We start with whichever part the audit shows is costing you most.

Lead and file register

Record each enquiry with source, loan type, amount, lender and DSA code, moving through the stages you actually use, so no file goes quiet.

Document checklist by loan type

Use one list for a salaried home loan and another for a self-employed property loan. Missing items and original document checks are flagged before login, not after the banker calls.

Stage tracker with client updates

Log login, credit, personal discussion, legal and technical, sanction and disbursal with dates, and send the client a chat update at each step.

Sanction and disbursal register

Hold the sanction letter, the sanctioned and disbursed amounts and the disbursal date, because every payout is later worked out from that date.

Payout calculation and invoicing

Work out the expected payout per file from each lender’s rate card and slab, raise the tax invoice, and match the receipt against it. GullySystem adds this ledger to the product when it is configured. An export file for your accounting software can be added.

Connector commission ledger

Record each connector’s files, their share, and what has been paid or is still due. It is built alongside the payout ledger.

Before you talk to a supplier

A requirements checklist for loan agents and DSAs.

What to cover, which reports to ask for and what to put to every vendor, ready to print or save as a PDF.

Open the checklist
Ready product

A product already built for loan agents and DSAs.

It is adapted to how your business works before it goes live, and anything your trade needs that it lacks is added then.

Loan Management System

Enquiries, applications, sanction, disbursement, instalment schedules and field collections connected on one loan record.

See the product
More products

Other products in the same sector as loan agents and DSAs.

Solutions inside

The business modules loan agents and DSAs use most.

Each one is also available on its own, or inside a system built for you.

All solutions by area

AI by department

Where AI can help loan agents and DSAs.

Each one reads records you already keep, and a person approves every decision.

Connections

Tools loan agents and DSAs often connect.

Services

The services behind it.

Business Process Automation

Approvals, reminders, follow-ups and reports that run on their own instead of on someone remembering.

Learn more

Custom Software and Product Engineering

Software built around how your business actually runs, when nothing off the shelf fits without workarounds.

Learn more

ERP, CRM and Business Software Implementation

One record of stock, orders, customers and accounts, set up so your team opens it every day.

Learn more

Data 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 more

All our other services

Guides

Written for loan agents and DSAs.

Practical notes on running the business, not product marketing.

Where a DSA Loses Payout Money and How to See It

Loan agents and DSAs lose payouts to unmatched rate cards, short receipts and late invoices. How to keep a disbursal register that shows what is still owed.

Learn more
How it works

How the work runs from Bengaluru for your city.

  1. 1

    The audit, by call

    A screen-share and a look at the sheets, accounting reports and WhatsApp groups your team uses. No travel needed.

  2. 2

    A written proposal

    Scope, what we build first and the cost, agreed in writing before anything starts.

  3. 3

    Build in short rounds

    Working screens shared every few weeks. Your team tests them from your own office.

  4. 4

    Go-live, in person when it helps

    For data migration and training we can come to your city. Travel is agreed in advance.

  5. 5

    Support online

    Fixes, changes and hosting handled remotely by the same team that built it.

Our work in this sector

Software we have built and run in this sector.

Published with the client’s agreement, with what was built and what changed.

All case studies
Microfinance and Self Help Groups

Vikasa RDO: making SHG loan recovery auditable

Loan proposals, recoveries and commissions sit on one record, with a person attached to every state change, so a business handling a bank’s money can show where each rupee went.

Read the case study
Common questions

Questions loan agents and DSAs ask before they call.

Is a lender’s loan management system suitable for a loan agent?

Not straight out of the box. We rebuild the core around your file pipeline and your payouts rather than EMI collection, and drop the parts a DSA never opens.

Can it fetch a credit score or a bureau report?

No. Bureau access sits with the lender, and the software records what the credit team tells you. Repayment ratio and eligibility notes are entered by your executive.

Who can see customers’ bank statements and income tax returns?

Only the executive handling that file and the managers you name. Documents sit on the hosted system, and every change to a file carries a name and a date.

Should we just use the lender’s agent portal?

Use it for login and status with that lender. It will not show your files across all lenders, or what each of them still owes you.

What are the price factors for a DSA or loan agency?

How many executives, branches and connectors use it, the lenders whose checklists differ, and the parts selected: file register, stage tracker, payout invoicing or connector ledger. Messaging tools to link are counted. The quotation shows each part’s price.

What should a loan agency prepare for the first sessions?

Gather a current file list, the document checklist for each loan type, a lender payout sheet and the connector commission statement. A senior executive, an accounts person and a connector coordinator need to answer questions and look at screens. Name them early.

If we leave, who has the client files and commission records?

The agency does. Files, payouts and connector ledgers are your data, and the software is yours too. Ordinary spreadsheet exports are available. Support continues from its developers, with hosting at GullySystem unless you choose otherwise.

What happens after I share my requirements?

An engineer reads what you send and replies within one business day. We then look at the software, spreadsheets and WhatsApp groups your business runs on today and write down what works, what slows your team down and what is missing. A demo login, a screen-share or a few screenshots are enough. You get a short written summary ordered by priority, with no obligation to hire us afterwards.

How much will the software cost?

We don’t publish a price, because it depends on what the system has to do. That first review settles the scope, and the cost goes into a written proposal before any work starts.

In Bengaluru

Bengaluru areas with many loan agents and DSAs.

Across India

Cities where loan agents and DSAs are common.

Related

Related industries.

Category

Part of a wider group.

Talk to us

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.

What happens after you share your requirements

  1. A senior engineer reads your answers. Nobody phones first.
  2. Within one business day you get a written note: what we understood, what we would start with, and the questions we still have.
  3. If it fits, a proposal follows with the order of work, what we need from you and what you receive at each step.
  4. No call is booked and nothing is paid until you have read the note. Your details stay with us.

Start with your requirements

Seven short steps that tell us what you need. A senior engineer reads them before anyone gets in touch.

Share your requirements