Lending Operations SoftwareFor Lenders

The Operating System Built For Indian Lenders & Financiers

Stop field agent cash theft, eliminate messy paper ledgers, and automate your daily recovery routes. Zolo Funds gives finance business owners complete visibility over capital deployed, GPS-verified agent collections, instant CRIF/CIBIL bureau checks, and automated RBI NPA tracking.

Try interactive EMI calculator below ↓

Stop Agent Cash Theft & Leakage

Instant CRIF & CIBIL Bureau Checks

GPS Location-Stamped Collections

Automated Nightly RBI NPA Buckets

Zolo Funds Lending Dashboard for Finance Business Owners

GPS Active

Collection Verified

₹2,450 · GPS Matched ✓

Weekly Recovery

Agent Suresh K.

Route: Jayanagar 4th Block

8/12 Stops

NPA Classification

Standard ✓

Hit Rate

Lender Executive Command Center

Owner Dashboard

Daily Recovery Hit-Rate

0.2%

Zero Cash Discrepancy

Field Route Agents

0 Active

GPS Geofence Verified

Today's Collections

₹0

↑ 12% vs Yesterday

Built For Lending Verticals

Tailored For Your Specific Lending Business

Whether you operate door-to-door daily collection routes, finance commercial vehicles, or manage chit funds, Zolo Funds delivers the exact operational control your lending firm needs.

Small Business Microfinance, Auto Finance, and Chit Fund Operations

Daily & Weekly Lending

For Microfinance & Moneylenders

Track daily collection routes and stop field agent cash leakage

Designed specifically for microfinance founders, NBFC-MFIs, and neighborhood moneylenders. Put an end to missing cash diaries. Assign field agents daily collection routes, track collections on live GPS maps, and automatically clear the oldest overdue interest first.

How Your Firm Benefits:

Disburse Daily, Weekly, Bi-Weekly, and Monthly instalment loans

Smart waterfall recovery: collected money clears oldest overdue first

Assign daily routes to collection agents with GPS geofence checks

Verify borrower identity before disbursement with Aadhaar OTP & Video KYC

End-of-day dual digital cash handover between collection boys and owner

Automated midnight sweep flags missed collections and adds late fees

16 Operational Modules

Complete Lending Capabilities for Indian Lenders

Official catalog of features directly from our lending platform engine. Start free with 25 loans or scale to unlimited agents with zero hidden transaction percentages.

Capital Protection

Borrower KYC & Aadhaar Verification

Protect your capital before disbursing. Complete digital profiling with instant Aadhaar OTP and Video KYC.

Instant Aadhaar OTP verification prevents fake identity fraud

Remote Video KYC for contactless borrower verification

Attach multiple guarantors with photos, ID proofs, and contact details

Margin Control

4-Model Flexible Loan Engine

Structure loans your way. Choose Flat Upfront, Upfront %, Flat EMI, or Reducing Balance interest models.

4 interest models: Flat Upfront, Upfront %, Flat EMI, Reducing Balance

4 repayment schedules: Daily, Weekly, Bi-weekly, and Monthly cycles

Unique automated loan codes (e.g. DL0001 for daily, ML0001 for monthly)

Zero Recovery Leakage

Waterfall Collections & Routes

Eliminate revenue loss. Payments automatically clear oldest overdue instalments before touching principal.

Daily route collection lists generated automatically for each field agent

Smart waterfall distribution: clears oldest overdue interest and penalties first

Multi-mode collection support: Cash, UPI QR, Cheques, and Bank Transfer

Field Oversight

GPS Tracking & Address Geofencing

Every field collection is timestamped and geocoded with automatic address proximity checks.

Precise latitude & longitude stamped on every payment transaction

Address proximity check flags suspicious collections made away from borrower home

Live agent tracking map: see all your collection agents moving across routes in real-time

Non-Repudiable

Dual-Mode Payment Verification

Eliminate disputes of "I gave cash to your agent". Two foolproof verification modes.

Mode A (Single-Use Dynamic QR): Borrower generates instant QR on self-service portal; agent scans to verify payment

Mode B (Photo Proof with Sign-off): Agent uploads photo; borrower approves/rejects on portal before posting to ledger

Eliminates borrower disputes and agent theft completely

Yield Protection

Automated Penalties & Waivers

Automate late fees after customizable grace periods. Admin waivers require mandatory audit reasons.

Automated daily late fee accruals calculated immediately after grace period expires

Configurable rules: grace period days, daily penalty fee, and maximum cap

Supports partial or full settlement of penalties during collections

Dual Control

Maker-Checker Approval Workflows

Prevent unauthorized loan disbursements with structured two-party approval controls.

Agent-created borrower registrations require manager review before loan disbursement

Customer modifications feature side-by-side before/after comparison diffs

Loan edits, collection corrections, and branch creations require admin approval

Risk Appraisal

Direct CRIF & CIBIL Bureau Checks

Check borrower credit history, active MFI loans, and overdue accounts directly before lending.

Direct API integration with India’s leading credit bureaus: CRIF & CIBIL

Soft bureau check: evaluate creditworthiness with zero impact on borrower score

Hard bureau pull for formal credit appraisal with inquiry logging

Automated Nightly

RBI-Compliant NPA Classification

Automated nightly classification across all 7 RBI asset buckets with built-in statutory provisioning.

Automated daily classification: Standard, SMA-0 (1-30d), SMA-1 (31-60d), SMA-2 (61-90d)

NPA classification: Sub-Standard (91d-1yr), Doubtful (1-3yr), and Loss

Built-in provisioning calculation according to RBI Master Directions for NBFCs

P&L & Balance Sheet

Double-Entry Accounting & Ledger

Replace external accounting software with automated loan cashbooks and real-time financial statements.

Standard Cashbook: automatically records every disbursement, collection, and penalty fee

Premium Chart of Accounts with hierarchical general ledger codes

Manual Journal Vouchers (JVs) for contra entries, expenses, and asset purchases

Automated Follow-ups

SMS, WhatsApp & Push Alerts

Reduce field follow-up costs with automated payment due reminders and digital WhatsApp receipts.

Payment confirmation receipts sent immediately via WhatsApp and SMS (via MSG91)

Upcoming payment due reminders (1-2 days in advance) sent automatically

Overdue alerts and late fee notices triggered automatically

Android & iOS

Native Mobile App For Field Staff

Equip your collection boys with an offline-capable app with biometric lock and Bluetooth printing.

Biometric authentication with Fingerprint and Face ID support

Offline storage: view routes and record collections even in zero-reception areas

Direct camera capture for KYC documents, customer photos, and collateral inspection

Reduced Calls

Borrower Transparency Portal

Give your borrowers a private self-service portal to view balances and generate verification QRs.

Private customer login with mobile OTP verification

Borrowers view repayment schedule, upcoming dues, and interest breakdown

Download official loan statement PDFs and payment receipts anytime without calling staff

Field Adoption

6 Indian Languages Localization

Empower your field agents in their local mother tongue across India.

Available in English, Hindi (हिंदी), Tamil (தமிழ்), Telugu (తెలుగు), Kannada (ಕನ್ನಡ), and Malayalam (മലയാളം)

Field agent mobile app translates completely with one tap for effortless staff adoption

Receipts and WhatsApp notifications dispatched in the borrower’s preferred language

Bank-Grade Isolation

Enterprise Multi-Tenancy & Security

Strict data isolation ensures your loan book, borrower lists, and collections remain 100% confidential.

Row-level tenant isolation: strict separation between different finance companies

Aadhaar numbers and integration keys encrypted with AES-256-GCM

Role-Based Access Control (RBAC): Superadmin, Branch Admin, Field Agent, and Auditor

Portfolio Growth

DSA & Referral Partner Engine

Grow your lending firm by tracking DSA referral partners and commission payouts automatically.

Every referral partner or agent gets a unique tracking link

Partner dashboard to monitor referred borrowers, conversions, and accrued commissions

Automated commission tracking and payout ledgers directly linked to your accounting

GPS Collection Verification

How GPS-Verified Collections Work

Every field collection is timestamped, geocoded, and verified with automatic address proximity checks. See the complete 5-step process below.

Agent Location

Borrower Stops

Geofence Active

Agent Opens App & Starts Route

The collection agent opens the Zolo Funds mobile app with biometric login. The app loads today's assigned route sequence automatically.

Fingerprint or Face ID ensures only your authorized agent can access borrower records.

GPS Lock Acquired

With the route screen open, the phone gets a GPS lock and shares the agent's position with the office every few seconds.

Works even in low-signal areas — coordinates are cached and synced when connectivity restores.

Agent Arrives at Borrower Location

As the agent approaches the borrower's registered address, the geofence radius activates. The system checks if the agent is within the allowed proximity.

If the agent tries to collect from an off-route location, the system flags it immediately.

Collection GPS-Stamped & Verified

The agent taps "Collect" — exact latitude, longitude, timestamp, and address are permanently watermarked onto the payment record.

Payment is automatically applied to the oldest overdue instalment via smart waterfall distribution.

Owner Gets Live Confirmation

The finance company owner's dashboard instantly shows the confirmed collection with a verified GPS pin, amount, and agent ID.

Borrower also receives an instant WhatsApp receipt. Zero disputes, zero cash leakage.

Lender Yield Calculator

Calculate Your Portfolio Yield & Cashflow

Simulate your disbursement, interest margins, and collection schedule across daily, weekly, bi-weekly, monthly, and single-lump loan products with custom interest rates.

Interest Structure:

Collection Frequency:

Loan Capital (₹)₹50,000

Rate: 18% p.a.

Term: 100 Days

Periodic Inflow (Per Day)

₹525

100 days · Total: ₹52,466

Disbursed: ₹50,000

Profit: ₹2,466

WL00034Active

Frequency: Daily

PRINCIPAL

₹50,000

REPAYABLE

₹52,466

PER INST.

₹525

TENURE

100 Days

Hover for info • Click to scroll & highlight15 PAID

+70 more

Paid

Due Today

Upcoming

Payment Schedule

Showing 8 of 100 instalments

#	DATE	TIME	DUE	RECEIVED	STATUS	ACTION
1	07 Nov	10:48 am	₹525	₹525	Paid	✏️ Edit
2	09 Nov	10:48 am	₹525	₹525	Paid	✏️ Edit
3	10 Nov	10:48 am	₹525	₹525	Paid	✏️ Edit
4	11 Nov	10:48 am	₹525	₹525	Paid	✏️ Edit
5	12 Nov	10:48 am	₹525	₹525	Paid	✏️ Edit
6	13 Nov	10:48 am	₹525	₹525	Paid	✏️ Edit
7	14 Nov	10:48 am	₹525	₹525	Paid	✏️ Edit
8	16 Nov	10:48 am	₹525	₹525	Paid	✏️ Edit

Collected

₹7,875

15 instalments

Remaining

₹44,625

85 pending

Yield

4.9%

on principal

Field Force Control

Equip Your Field Agents With An Offline Collection App

Control your collection routes, stop agent cash leakage, and monitor live stops from your central office. Designed specifically for outdoor high-speed recovery operations.

Field Collection Agent with QR payment and GPS route

Biometric Agent Login

Ensure only your authorized collection agent can access assigned borrower records using fingerprint or Face ID.

Offline Collection Storage

Agents can collect payments in remote villages with zero cellular reception. Data syncs automatically once reconnected.

Spot Camera KYC Capture

Agents take borrower photos, Aadhaar cards, vehicle RC books, and collateral directly from the camera into your secure cloud.

Bluetooth Thermal Printing

Connect to standard 2-inch and 3-inch ESC/POS portable printers to issue official paper receipts on the spot.

GPS-Stamped Collections

Automatic location stamps verify where the collection happened, alerting you immediately on any off-route payments.

Payment QR Code Verification

Scan borrower portal dynamic QR codes or display your company UPI QR on screen for instant payment verification.

Lending Operations Workflow

How Lending Firms Run On Zolo Funds

Synchronize your owners, branch managers, collection boys, and accountants in an airtight, audited operational workflow.

Executive Command Workflow

Finance Company Owner / MD

Complete executive visibility and command over deployed capital

Daily Executive Briefing

Monitor real-time portfolio balance, total capital deployed, today’s expected field collections, and overdue delinquency alerts.

Live Agent Tracking & Route Monitoring

Watch field collection boys moving across assigned daily routes on a live GPS map with collection milestones and battery levels.

Maker-Checker Approval Queue

Review and approve customer onboardings, profile modifications with before/after diffs, and loan sanction requests.

Evening Cash Handover & Audit Lock

Digitally confirm physical cash received from field agents and lock daily accounting ledgers to prevent backdated tampering.

"Zolo Funds gave me back complete control over my money. I no longer have to chase agents on phone calls to know who paid."

Lender Subscription Plans

Simple, Transparent Pricing for Lenders

Start free and upgrade only when you need to. No setup fees, no lock-in — just transparent plans. All premium features are bundled with zero hidden add-on costs.

Free

Test out Zolo Funds features for free

₹0forever

Branches

Agents

Loans

Included Features

Single branch
1 collection agent
25 active loans
Basic reporting & collection tracking
Field agent mobile app access

Start Free

No credit card required

Basic

15-Day Free Trial

Essential tools for small lending businesses

₹799/month + GST

Branches

Agents

200

Loans

Included Features

Up to 2 branches
Up to 5 collection agents
Up to 200 active loans
15-day free trial included
Aadhaar eKYC & Video KYC
Preclose & Early Settlement
Receipt PDF downloads & thermal printing
Standard collection reporting

Choose Basic

15-day trial • Instant access

Choose Your Lending Modules

Each vertical operates under your chosen subscription tier. Enable or disable modules per branch at any time as your business expands.

Micro Lending

Manage micro loans, daily collections, routes, and agents

Auto Finance

Vehicle financing, hire purchase, collateral tracking, and hypothecation

Chit Funds

Organize chit groups, auctions, dividend distribution, and member entries

Gold Loan

Gold-backed lending, valuation, LTV, packets, pledges, and release tracking

Property Loan

Property-backed lending, mortgage documents, valuation, and release tracking

Product Finance

Consumer-durable and product financing with dealer and EMI tracking

Bundled Platform Capabilities

All-Inclusive Feature Bundles

Advanced lending features are included directly inside your plan tier with zero hidden per-feature fees.

Digital Aadhaar & Video KYC

Included in Basic+

Instant verification of customer identity with OTP matching and live selfie checks

Preclose & Early Settlement

Included in Basic+

Calculate precise early payoff amounts, discretionary waivers, and instant closing receipts

Receipt PDF & Thermal Printing

Included in Basic+

Issue digital collection receipts via PDF, Bluetooth thermal print, and download statements

WhatsApp & SMS Alerts

Included in Business+

Automated payment reminders, due-date alerts, OTPs, and collection SMS via MSG91

Agent Route GPS Tracking

Included in Business+

Real-time geo-stamp verification for field visits and automated route audits

Multi-Branch Consolidation

Included in Business+

Aggregate portfolio metrics across all branches with role-based access

Credit Bureau Integration

Included in Enterprise

Query CRIF / CIBIL / Equifax credit history directly for applicants before loan sanction

eNACH Automated Mandates

Included in Enterprise

Auto-debit recurring instalments straight from customer bank accounts via NPCI

Premium Double-Entry Accounting & GST

Included in Enterprise

Comprehensive General Ledger, Balance Sheet, P&L, GST summaries, and bank reconciliation

NPA Classification Engine

Included in Enterprise

Automated 90+ DPD overdue tagging, SMA buckets, regulatory provisioning, and recovery workflow

Lender FAQs

Frequently Asked Lender Questions

Get clear, direct answers about field agent oversight, compliance, data migration, and cash handover controls.

How does Zolo Funds prevent field collection agents from pocketing collected cash?

Zolo Funds uses a 3-layer anti-theft system: 1) Every collection requires GPS verification within the borrower's home radius; 2) The customer generates a dynamic single-use QR code or receives an instant WhatsApp confirmation slip; 3) At the end of the day, the agent must complete a digital cash handover on the app, which the manager verifies and accepts before the agent's route is closed.

Can we import our existing borrower ledgers and active loans from Excel?

Yes. Zolo Funds provides one-click CSV and Excel import templates for customer KYC, active loan balances, and payment schedules. Our dedicated technical team assists your firm in importing and reconciling your historical loan book within 24 to 48 hours.

How does GPS geofencing stop collection boys from faking customer visits?

When an agent taps "Collect", the mobile app automatically captures the smartphone's satellite coordinates and timestamp. If an agent tries to record a payment while sitting in a tea stall or at home, the system immediately flags the collection as "Off-Route / Geofence Discrepancy" on the owner dashboard.

How do direct CRIF & CIBIL bureau checks help us before loan disbursement?

With one click, your credit officer can pull an applicant's official credit history. The report shows active loans with other MFIs, overdue amounts, write-offs, and past defaults. You can perform a "Soft Check" (which does not affect the applicant's credit score) or a formal "Hard Pull".

How does the platform ensure our firm stays compliant with RBI NPA norms?

Every night at 00:00, Zolo Funds automatically scans your active portfolio and buckets accounts into Standard, SMA-0 (1–30 days overdue), SMA-1 (31–60 days), SMA-2 (61–90 days), Sub-Standard, Doubtful, and Loss. It also calculates required statutory provisioning based on RBI Master Directions for NBFCs.

Can I control which staff members can disburse loans, edit rates, or waive penalties?

Yes. Zolo Funds features strict Role-Based Access Control (RBAC) and maker-checker approval workflows. Field agents can only collect and register customer leads. Only authorized managers or superadmins can approve loans, alter interest rates, or grant penalty waivers (with mandatory reason tracking in the audit log).

What hardware do our field collection boys need to carry?

Any standard Android smartphone (Android 8.0+) or iPhone. The app is lightweight and works offline. If your borrowers demand physical paper receipts, the phone connects via Bluetooth to standard 2-inch or 3-inch ESC/POS portable thermal printers.

Is my lending firm's customer data and loan book isolated from other lenders?

Yes, 100%. Every record is isolated by business and branch on the server, all traffic is encrypted (HTTPS), and Aadhaar numbers are stored encrypted with AES-256-GCM. Your loan book is completely private and accessible only by your authenticated users.