The file was disbursed in March, and we are still waiting for the bank’s payout in July.
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. GullySystem adapts its loan management system, which already tracks enquiries, document checklists and sanctions, and adds the payout and connector ledgers a DSA needs. A free technology audit comes first.
You source home loans, LAP, business loans, car loans and working capital limits for your clients and place each file with whichever lender fits best.
Your income depends on files reaching disbursal and on lenders paying what they owe. Both depend on follow-up.
A lead comes from a builder, a CA or a connector. You collect KYC, salary slips or ITRs, bank statements, GST returns and property papers, mostly as WhatsApp photos, and decide which bank or NBFC to log the file with.
Once logged in, the file moves through credit, personal discussion, legal and technical checks, sanction and disbursal. Each stage needs something more, and the client calls you, not the bank, to ask where it stands.
After disbursal, the lender pays a payout on the disbursed amount, often months later and against your GST invoice. You then share part of it with the connector or sub-DSA who brought the case.
What goes wrong for loan agents and DSAs without a proper system.
Documents come in pieces on WhatsApp
Six months of bank statements arrive as blurry photos across three chats, and one page is always missing at login.
I don’t know where each file stands
Your executive knows, but only in his head. When he leaves, so does the status of every file he was handling.
Bank payouts are never checked properly
Rates differ by lender, product and slab. Short payments and missed files go unnoticed because matching them takes days.
Connectors ask what they are owed
Sub-DSAs call about their share, and you have no single record of which file was theirs and what was paid.
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
Every enquiry with source, loan type, amount and lender, moving through stages you define.
Document checklist by loan type
The list for a salaried home loan differs from a self-employed LAP. Missing items are flagged before login.
Stage tracker with client updates
Login, credit, PD, sanction and disbursal logged with dates, and a WhatsApp update to the client at each step.
Payout calculation and invoicing
Expected payout per file from your lender rate cards, GST invoice to the lender, and receipt matched when paid.
Connector commission ledger
Each connector’s files, their share, and what has been paid or is due.
Ready products that fit loan agents and DSAs.
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.
The services behind it.
Business Process Automation
Approvals, reminders, follow-ups and reports that run on their own instead of on someone remembering.
Learn moreCustom Software and Product Engineering
Software built around how your business actually runs, when nothing off the shelf fits without workarounds.
Learn moreERP, CRM and Business Software Implementation
One record of stock, orders, customers and accounts, set up so your team opens it every day.
Learn moreHow the work runs from Bengaluru for your city.
- 01
The audit, by call
A screen-share and a look at the sheets, Tally reports and WhatsApp groups your team uses. No travel needed.
- 02
A written proposal
Scope, what we build first and the cost, agreed in writing before anything starts.
- 03
Build in short rounds
Working screens shared every few weeks. Your team tests them from your own office.
- 04
Go-live, in person when it helps
For data migration and training we can come to your city. Travel is agreed in advance.
- 05
Support online
Fixes, changes and hosting handled remotely by the same team that built it.
Software we have built and run.
We only name clients whose work is published. These are systems our team designed, built and supports.
PetSeva: matching owners to the right vet, at any hour
A two-sided veterinary platform where supply is searchable by specialisation and bookable outside clinic hours — now carrying more than 2,000 veterinary doctors.
Read the case study Paying guest accommodationSAM Atithi Pavathi: bed-level occupancy as the source of truth
PG management software where allocation, rates and invoices all derive from bed-level occupancy, instead of being maintained in parallel spreadsheets.
Read the case study School transport servicesSAM Tours: school transport on a single ledger
Registration, fee collection, routing and finance writing to the same records — closing the gap between journeys run and fees actually collected.
Read the case studyQuestions loan agents and DSAs ask before they call.
Your loan management system is for lenders. Does it suit a DSA?
Not straight out of the box. We adapt it so the core is your file pipeline and payouts rather than EMI collection, and keep only what a DSA needs.
Can payout invoices and receipts go into Tally?
Yes. Payout invoices to lenders and connector payments can post to Tally with GST and TDS, so your accountant does not rebuild them.
Who can see our customers’ bank statements and ITRs?
Only the executive handling the file and the managers you choose. Documents sit on a server under your account, and every download is logged.
Should we just use the bank’s DSA portal?
Use it for login and status with that bank. It won’t show your files across all lenders or your payouts, and that is where your own system earns its place.
What happens in the free technology audit?
We 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 to start. You get a report ordered by priority, and there is 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. The audit settles the scope, and the cost goes into a written proposal before any work starts.
Bengaluru areas with many loan agents and DSAs.
Cities where loan agents and DSAs are common.
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.
- No obligation
- We reply the same working day
- Your details stay private