Limits, drawdowns, security and repayments held on one file for each borrowing company.
Run borrower applications, sanctioned limits, drawdown requests against invoices or stock, security documents, repayments and overdue follow-up in one system built for a company lender. One file per borrower shows its limit, what is drawn, what is due and which conditions are about to lapse. Credit, operations and collections read the same figures. Your credit team still makes every decision.
- Limit types, pricing fields and condition lists entered the way your credit policy defines them
- Open limits, drawings, security and past receipts migrated and checked against your totals
- Roles for sales, credit, operations and collections set with your own team
Applications, sanctions, drawdowns and repayments for company lenders all run on Business Finance Provider Management Software, configured by GullySystem. Each borrower file holds the sanctioned limit, the drawings against it, the security taken, the conditions with due dates and every receipt matched to the bank. Credit decisions stay with your credit team. Group exposure reads across related companies.
What goes wrong before the software.
How the work flows through it, step by step.
- 1
Application
A relationship manager registers the company, its directors, the amount and purpose requested, and the financial statements and bank records received. The file opens with a checklist of papers still missing.
- 2
Credit review and sanction
The credit team records its analysis and recommendation. An approver signs the sanction with the limit, tenor, pricing, security and conditions, and the terms become the borrower’s limit record.
- 3
Documentation and security
Agreements, guarantees, charges and insurance are listed against the file with their dates. The limit opens for use only when the required documents are marked complete.
- 4
Drawdown
The borrower asks to draw against invoices, stock or an amount. Operations checks the request against headroom, document age and conditions, and records the approval before release.
- 5
Repayment and charges
Interest, fees and principal fall due on the schedule. Each bank credit is matched to a borrower and a due item, and anything unmatched stays on a short list with an owner.
- 6
Review and renewal
Conditions are checked on their dates, periodic reviews are scheduled, and an expiring limit appears in the renewal list well before the sanction ends.
What is inside.
Every module can be switched on, left out or changed to match how your team already works.
The business modules it is built from.
Each one is also available on its own, or inside a system built for you.
- Contact & Account Management
Companies, their directors and related entities are kept as linked records, so a related group’s combined position reads without a separate sheet.
- Workflow and Approvals
A recommendation moves from analyst to approver by level, and the sanction is recorded inside the file with the name of whoever signed it.
- Contract Management
Each sanction keeps its limit, tenor and conditions with due dates, and lapsed or approaching conditions are listed daily by borrower.
- Credit Limits and Control
Every request is tested against sanctioned limit, amount already drawn and the age rules set for invoices before an approver releases funds.
- Document Management
Charges, guarantees and insurance papers are stored against the security entry with values and renewal dates, so a missing document stops a limit opening.
- Bank Reconciliation
Imported bank credits are matched to borrowers and due items, and unmatched ones stay on a short list with a named owner.
- Collections and Payment Follow-Up
Overdue accounts are grouped by days past due and assigned to collectors, who log calls and promise dates that stay on the borrower’s file.
- Finance and Accounting Reporting
Outstanding, utilisation, ageing and concentration reports are drawn from the same entries credit and operations make, ready for the committee pack.
How we would put it in.
Setup, data migration, integrations and anything built on top.
One system, each person sees their part.
For relationship managers
Register applications, follow the document checklist and see the borrower’s limit, drawings and overdue amounts before a client meeting.
For the credit team
Record analysis, recommend terms and read group exposure and utilisation. Approvers sign sanctions inside the file, not in a separate email.
For operations
Check drawdown requests against headroom, documents and conditions, release against approval and keep the security register current.
For collections
Work a daily list by days past due, log each call and promise date, and see receipts as they are matched.
For finance and management
Read outstanding, overdue ageing and concentration across the book, and export entries for the ledger your accountants keep.
The numbers the owner asks for.
- Outstanding by borrower and by borrower group
- Limit utilisation and headroom by borrower
- Conditions of sanction lapsed or due within the week
- Invoices financed by buyer and age, with those past due
- Overdue ageing by days past due and by collector
- Unmatched bank credits, oldest first
- Limits and reviews falling due for renewal
Who this is built for.
- Working capital lenders that sanction revolving limits to small and mid-sized companies
- Invoice discounting and receivable finance providers
- Term lenders to businesses that take property or equipment as security
- Non-bank finance companies with a credit team and a collections team
- Trade finance desks that fund purchases and track repayment by shipment
When it is not the right choice.
- A lender that mainly gives small instalment loans to individuals will find Loan Management System closer.
- A single investor who funds one or two borrowers can keep the file in a spreadsheet and a folder.
Adapted to your business before it goes live.
You are not handed a login and left to it. The product is set up around your records, your people and the tools you already use.
Works alongside
- Bank statement import
- SMS or other messaging
- Credit bureau reports
- Accounting export
Questions owners ask before a demo.
Does the software decide who gets credit?
No. Your credit team assesses each company. The system holds the papers, the analysis, the sanction and the reports so that decision rests on one file.
Can it handle revolving limits and invoice-backed lines?
Yes, both are supported. A limit shows sanctioned amount, drawn amount and headroom. For invoice-backed lines each invoice financed is listed with its buyer, its age and the advance given.
How are conditions of sanction followed?
Conditions carry a due date and an owner. A daily list shows the ones lapsed or falling due, such as an insurance renewal or a stock statement.
Can we see exposure to a group of related borrowers?
Yes. Related companies are linked into a group, and the group view adds sanctioned and drawn amounts across them. Your team decides which links to record.
How do repayments reach the right file?
A bank statement is imported and each credit is matched to a borrower and a due item. What cannot be matched waits on a short list with a named owner.
Does it replace our ledger?
No. Your accountants keep the books. Entries for interest, fees and repayments can be exported, and the layout is agreed with them during implementation.
Can the current book be moved from spreadsheets?
Yes. Existing limits, drawings, charge registers and past receipts come across from the workbooks your team maintains today. Your operations team compares totals before the old files are retired.
Can we take the borrower records with us?
They remain yours. A borrower’s file, repayment schedule and receipt history can be exported to spreadsheet files on request, in a layout fixed in the proposal.
What will this cost us?
Price rises with the seats you need, with each distinct loan product configured, and with how large an existing book must be migrated. You see the system working on sample borrower files before a number is named, and the quotation follows in writing.
Wondering what it would cost? Share your requirements and an engineer will come back with a scope.
Businesses that use this.
Related products.
See Business Finance Provider Management Software with your own data.
Tell us how you run things today. We’ll show you the parts that matter to you and say plainly what would need changing.
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