Hold every loan from application to closure, with collections, DPD and collateral on one record.
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.
A small NBFC may run several products at once: used vehicle loans, gold loans, loans against property and unsecured business loans. Each has its own documents, approval levels and collection rhythm.
The board, the auditor and any lending partner ask for the same loan book cut different ways. It has to come from recorded receipts, not from a sheet someone keeps.
Files arrive from branches, DSAs and walk-ins. Credit officers check KYC, bank statements and the bureau report pulled from the bureau’s own portal, then write an appraisal note for the approver at that loan size.
After disbursement, EMIs arrive by direct debit, bank transfer, cheque and cash collected in the field. Operations matches each receipt to a loan, and anything unmatched sits on a suspense list until somebody traces it.
Collections work bucket by bucket. Vehicle loans that slip far enough go to the recovery team. Every promise to pay, visit and notice needs a date and a name.
What goes wrong for non-banking finance companies without a proper system.
What we would build for non-banking finance companies.
Named the way your team already talks about the work. We start with whichever part the audit shows is costing you most.
A requirements checklist for non-banking finance companies.
What to cover, which reports to ask for and what to put to every vendor, ready to print or save as a PDF.
Ready products that fit non-banking finance companies.
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 business modules non-banking finance companies use most.
Each one is also available on its own, or inside a system built for you.
The 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 moreData Migration and Moving Off Spreadsheets
Data migration and spreadsheet replacement covers auditing existing files, cleaning and deduplicating records, loading them into a new system and reconciling the result against known totals. A parallel run of both systems comes before cutover. The original files are kept as they were.
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 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 moreWritten for non-banking finance companies.
Practical notes on running the business, not product marketing.
How the work runs from Bengaluru for your city.
- 1
The audit, by call
A screen-share and a look at the sheets, Tally reports and WhatsApp groups your team uses. No travel needed.
- 2
A written proposal
Scope, what we build first and the cost, agreed in writing before anything starts.
- 3
Build in short rounds
Working screens shared every few weeks. Your team tests them from your own office.
- 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
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.
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Read the case studyQuestions non-banking finance companies ask before they call.
Is this a core lending system for a large NBFC?
No. It suits smaller lenders running a loan book with field collections. It does not file regulatory returns, pull bureau reports or read Account Aggregator feeds, so a larger NBFC needs an established core lending platform.
Can it present direct debit mandates?
No. Mandates are arranged with your bank. A direct debit credit is matched from the bank statement and recorded against the loan like any other receipt.
Can gold, vehicle and property loans run side by side?
Yes. Each loan product has its own checklist, approval levels and schedule rules, and the collateral register holds the gold, the vehicle or the papers against each loan.
Will our auditor be able to work from it?
Yes, for the records it keeps. Every application, approval, disbursement and receipt carries a name and date, and an auditor can be given a read-only login. What your auditor or regulator requires is for your adviser to confirm.
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.
Related industries.
- Banks
- Business finance providers
- Chit fund companies
- Company secretaries
- Credit unions
- General insurance agents
- Health insurance agents
- Insurance brokers
- Life insurance advisors
- Loan agents and DSAs
- Loan officers
- Microfinance institutions
- Mutual fund distributors
- Payment service providers
- Private equity firms
- Stock brokers
- Wealth managers and financial advisers
Part of a wider group.
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
- A reply within one business day
- Your details stay private
Start with your requirements
Seven short steps that tell us what you need. An engineer reads them before getting in touch.
Share your requirements