Engineered for Every Step of the Lending Lifecycle
From customer onboarding and loan origination to field collection GPS tracking and platform commission invoicing, LoanDesk provides end-to-end operational control.
Customer Profile & Duplicate Detection
Complete 360-degree customer profile with automated multi-field duplicate detection.
Lenders risk double-exposure when applicants re-register under slightly altered names or numbers.
LoanDesk checks phone, PAN, Aadhaar, email, and bank account in real-time to prevent duplicate profiles.
Configured within the Lender workspace for strict lender data isolation and real-time ledger updates.
Multi-Category Loan Application Engine
Streamlined origination for Personal, Business, Gold, Vehicle, and Property loans.
Generic loan software forces rigid forms that fail for specialized collateral like Gold or Property.
Dynamic application forms tailored specifically to the selected loan category and collateral type.
Configured within the Lender workspace for strict lender data isolation and real-time ledger updates.
Multi-Stage Loan Approval Workflow
Configurable approval matrix with document verification and lender signoff.
Uncoordinated approvals lead to unauthorized disbursements or missing documentation.
Clear multi-step approval workflow requiring document verification before disbursement unlocking.
Configured within the Lender workspace for strict lender data isolation and real-time ledger updates.
Disbursement Control & Voucher Generation
Record net disbursement after deducting processing, insurance, and documentation fees.
Manual fee deduction causes ledger mismatches between approved amount and actual bank payout.
Automatic deduction of charges with net disbursement recording via Bank, UPI, Cash, or Cheque.
Configured within the Lender workspace for strict lender data isolation and real-time ledger updates.
Automated Schedule & EMI Calculation
Supports Flat Interest, Reducing Balance, Simple Interest, and custom date frequencies.
Complex repayment formulas lead to customer disputes over interest calculation.
LoanDesk engine auto-generates precise schedule tables with exact principal/interest breakdown.
Configured within the Lender workspace for strict lender data isolation and real-time ledger updates.
Field Collection App with GPS & QR Receipts
Empower field agents to collect payments, capture GPS, and issue instant digital receipts.
Field agents lack real-time customer data and delay issuing payment receipts to borrowers.
Mobile-responsive agent app displays daily routes, due balances, and generates instant QR receipts.
Configured within the Lender workspace for strict lender data isolation and real-time ledger updates.
Territory Assignment & Agent Performance
Assign Collection Agents by territory, zip code, route, or specific customer list.
Overlapping agent territories cause customer confusion and unassigned overdue accounts.
Lenders assign agents cleanly by area or route without losing historical payment logs.
Configured within the Lender workspace for strict lender data isolation and real-time ledger updates.
Overdue Buckets & Follow-Up Tracking
Categorize overdue accounts into 1-7d, 8-15d, 16-30d, 31-60d, 61-90d, and 90+d buckets.
Defaulting accounts slip through the cracks without structured follow-up timelines.
Visual overdue aging buckets with Promise-to-Pay (PTP) tracking and escalation alerts.
Configured within the Lender workspace for strict lender data isolation and real-time ledger updates.
Automated Penalty Engine & Controlled Waivers
Calculate late interest and penalty charges with auditable waiver approvals.
Unmonitored penalty waivers by staff lead to lost revenue and audit non-compliance.
Automated penalty accrual rules paired with mandatory approval logs for any waiver entry.
Configured within the Lender workspace for strict lender data isolation and real-time ledger updates.
Automated Platform Commission Engine
Calculate, ledger, and invoice LoanDesk platform commission on every collection.
SaaS platform owners struggle to accurately track and invoice commission owed by lending companies.
LoanDesk automatically logs commission entries per collection without altering customer balances.
Configured within the Lender workspace for strict lender data isolation and real-time ledger updates.
Real-Time Portfolio & Commission Reports
Executive dashboards and detailed CSV/PDF financial reports for all roles.
Lending managers spend hours compiling collection reports and portfolio health metrics manually.
Instant real-time dashboards showing disbursements, expected vs actual collections, and portfolio PAR.
Configured within the Lender workspace for strict lender data isolation and real-time ledger updates.
Secure Encrypted Document Vault
Upload, verify, preview, and archive customer KYC, collateral photos, and receipts.
Paper documents get misplaced; unencrypted online files risk privacy breaches.
Encrypted file storage with role-based preview permissions and document verification status.
Configured within the Lender workspace for strict lender data isolation and real-time ledger updates.
Ready to Experience All Features Live?
Schedule a personalized demo with our product engineers to see how LoanDesk fits your lending business.