Finance Agency Software · by WebUncles
Give out loans, collect daily, weekly or monthly EMIs, and know at the end of each day where every rupee is. Built for the way lending works in India: cash, UPI and cheques, collectors out in the field, and an owner who wants the real numbers, not a rough idea.
5
repayment frequencies, from daily to monthly
4
ways to collect: cash, UPI, cheque, bank
2
interest methods: flat and reducing
5
staff roles, each with its own permissions
1
database per agency, never shared
Why agencies switch
Most agencies start with a notebook, move to Excel, and then hit the same four problems. Here is what changes with the software.
Before
Collected ₹18,000, handed over ₹16,500, and nobody remembers why.
With the software
Every payment is entered with its method, and it only counts once another person verifies it. At day end the cash is counted and closed, and any shortage or excess is recorded with a reason.
Before
Dues are spread across pages, and the late ones are found by memory.
With the software
The dashboard opens on today’s dues and overdue EMIs, and each collector gets a sheet of the customers they need to visit today.
Before
Money coming back is not the same as money earned.
With the software
The owner’s view shows, for every loan and in total, how much of your money is still at risk and how much profit you have actually made, next to the interest collected.
Before
Overwritten figures, torn pages, two versions of one sheet.
With the software
Nothing is typed over. A mistake is reversed with a reason, every action is logged with who did it and when, and balances are worked out from the entries themselves.
A day at your agency
This is how a normal working day runs once your agency is on the software.
Morning
The dashboard shows today’s dues, overdue EMIs and payments waiting to be checked.
In the field
Collectors record cash, UPI or cheque payments and share the receipt on WhatsApp.
At the office
The manager or back office verifies each payment. Only then does it count.
Evening
Each cash account is counted and closed. Any difference is booked with a reason.
Month end
Reports go out to Excel, and the month is locked so old entries cannot change.
Everything in one place
One system for customers, loans, collections and the books, instead of a register, an Excel file and a WhatsApp group.
Profile, address, income, guarantors and references. KYC files are stored privately, and every time someone opens one it is logged. Aadhaar and PAN show only their last four digits, and the same Aadhaar or PAN cannot be added twice. Blacklist or watch-list a customer, with the reason.
Daily, weekly, fortnightly, monthly or every few days. Flat or reducing-balance interest. Enter the loan amount and any two of rate, EMI amount and number of EMIs, and the third is worked out with the full schedule. Loan products hold your usual terms.
Every loan goes from draft to approval to pay-out, and every hold, rejection or cancellation keeps its reason. Loans above an amount you choose can need a second approver. Record gold, vehicle or property papers or post-dated cheques, with a photo.
Pay a loan out from one bank or cash account or split it across up to four. Turn on pay-out approval if you want a second pair of eyes before money leaves the agency.
Cash, UPI, cheque or bank transfer, or one payment split across them. Part payments of an EMI follow fixed rules. Collectors get a light phone screen that works on a weak network, and customers get a PDF receipt on WhatsApp.
Collected money stays “pending” until a different person verifies it. A cheque waits until it clears, and a bounced cheque is rejected, not quietly deleted. If you lend alone, every entry you verify yourself is flagged in a report.
Balances are calculated from transactions, never typed in. Transfers, capital, drawings and bank charges, a statement for every account, day-end cash closing, bank reconciliation, and a lock on past months.
Settle early with the amount owed today, including your foreclosure charge, with any waiver recorded. A loan closes by itself when its last EMI is verified, extra money is refunded, and bad loans can be written off, with recoveries on their own line.
Due and overdue list, collection report, loan statement, customer ledger and a break-even report of money at risk against realised profit. Every report downloads to Excel, and the owner can export all the agency’s data in one workbook.
Separate roles for owner, manager, back office, accountant and collector, each with only the permissions you give. Collectors see only their own customers. Two-step login, a full activity history, and one-step handover when a collector leaves.
Side by side
The register and the spreadsheet got your agency this far. This is where they stop helping.
| Paper register | Excel | Finance Agency Software | |
|---|---|---|---|
| Who changed an entry, and when | Not recorded | Not recorded | Every action logged with name and time |
| Collector’s cash vs. what was collected | Checked by hand | Checked by hand | Verified per payment, cash day closed and signed off |
| Today’s dues and overdue | Turn the pages | Filters and formulas | On the dashboard every morning |
| Money at risk vs. real profit | A rough guess | Only if someone builds it | Owner’s view, per loan and in total |
| Backup | One book | Usually one file | Nightly backup and a full Excel export |
| Who can see what | Whoever holds the book | Whoever has the file | By role; collectors see only their customers |
Pricing
The same software underneath. What changes is how many people it is set up for and how much control you need.
Solo
For one person lending their own money, with a helper at most.
Setup starts from ₹30,000
Team
For an owner with back office, an accountant, managers and field collectors.
Setup starts from ₹1,00,000
Yearly hosting and maintenance are separate and shown in your quote before you decide. Add-ons released later are priced on their own.
Your data, your control
Your own installation and database. Never mixed with another lender’s records.
We host it for you, or install it on your own server if you prefer.
Automatic nightly backups, and a full Excel copy of your data whenever you want.
Your agency’s name and logo on the screens and on every receipt.
Getting started
We show you the software with sample data and ask how you run your loans today.
You share a few real loans: amount, rate and EMIs. We check our schedules match your figures before you go live.
Your own installation, your name and logo, your staff and their roles.
For Team, we move your current customers and running loans over from registers or Excel.
We train the owner, office staff and collectors, then support you under the maintenance plan.
Early-agency offer
The software is built, and we are now setting it up for our first agencies. The first few get a lower setup price in return for honest feedback and a few real loan examples, which help us keep the calculations exactly right.
No surprises
Better you hear it from us before the demo than after.
Coming later
None of these are part of the software today.
FAQ
Something else on your mind? Ask us on WhatsApp and you will hear back from a person, not a bot.
It runs in the browser on a computer or a phone, so your staff have nothing to install. Collectors get a screen made for the phone. An offline Android app is planned as an add-on.
Yes, it works online. The collector’s screen is kept light so it still works on a weak mobile connection.
Today it supports flat and reducing-balance interest, EMIs from daily to monthly, and a choice of how EMIs are rounded. Before you go live we check your own loan examples against our schedules. If you calculate differently, tell us in the demo.
Yes. For the Team edition, importing your current registers or Excel records is part of the setup. We agree the details once we have seen your records.
Only you and the staff you give access to, and each person only sees what their role allows. Every agency has its own installation and database.
Setup starts from ₹30,000 for Solo and ₹1,00,000 for Team. Yearly hosting and maintenance are separate, and you get the full figures in writing before you decide.
No. The software keeps your loan records clean and traceable, but whether your lending is compliant depends on how your business is registered and run. Please check that with your CA or lawyer.
Free demo
Tell us a little about your agency and we will call or WhatsApp you to fix a time. The demo uses sample data, and we will ask how you work today so we can show you the parts that matter to you.
