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From lead to last EMI — one digital core for origination, collections and compliance.
Free, no-obligation consult — just a real person.
Official ERPNext Partner
In business since 2011 · 200+ clients
In business since
Clients served
ERP projects
Work by referral
Your loan portfolio is expanding. That is the good news. The bad news is that every new product, branch and borrower is piling more pressure on a stack that was never built to carry it — applications captured in one tool, KYC scanned into another, EMI schedules tracked in a spreadsheet, and field collections still riding on paper receipts and end-of-day phone calls.
The symptoms are familiar to every CFO and lending-business owner. Origination is fragmented, so approvals crawl and good borrowers go to a faster lender. Collections are manual, so cash trickles in days late and reconciliation eats your team's evenings. NPA risk builds quietly, because nobody sees an account slipping until it has already slipped. And when the auditor or regulator calls, you scramble — KYC files in one folder, ledgers in another, trails that have to be reconstructed by hand.
None of these are really separate problems. They are the same problem wearing four masks: disconnected systems. Acube replaces the patchwork with a single, purpose-built platform. As an Official ERPNext Partner, we digitise the full loan lifecycle — origination, underwriting, servicing, mobile field collections, KYC and compliance — so you disburse faster, recover more, and grow without ever losing control of risk.
See it on your data: Call +91 62358 66111 · WhatsApp us
Applications, KYC and credit scoring sit in separate tools, so approvals are slow and a chunk of every promising lead leaks away while you wait.
There is no automated overdue monitoring, no aging view, no early-warning alert — by the time an account looks bad, the recovery window has closed.
Field agents can't capture a payment, log a visit or check a borrower's outstanding in real time, so you are always a day or two behind your own cash.
KYC documents, repayment trails and TDS records are scattered across drives and people, and producing them on demand means days of digging.
You can't see portfolio health, recovery rates or agent productivity live — every number arrives stale, in a deck, after the fact.
New schemes, interest rules or repayment structures mean another spreadsheet, another macro, another single point of failure.
Field receipts, bank credits and the ledger rarely agree on the first pass, and closing the books takes longer every month the book grows. If you are nodding, the issue isn't your team. It's the tooling underneath them.
Full lifecycle visibility in one place — no more stitching the story together from four systems.
Automated repayment monitoring, overdue alerts and aging reports give you early warning, so you act while an account is still recoverable instead of writing it off later.
Agents capture payments, update visits and sync data on a mobile app — even offline in low-network areas — so your books reflect reality, not yesterday.
Configurable origination and underwriting journeys with credit scoring built in move good applications from intake to approval without the back-and-forth.
KYC, documentation, TDS and risk checks carry full audit trails, so a regulatory request becomes a report, not a panic.
Portfolio health, recovery trends and agent productivity sit on a dashboard you can open any morning — illustrative views configured to the metrics you actually run on. Ready to see the difference on your own portfolio? Call +91 62358 66111 or message us on WhatsApp for a free walkthrough.
origination, underwriting, EMI servicing, field collections and portfolio dashboards, customised to your loan products, interest rules and repayment structures.
GL, receivables, reconciliation and real-time P&L for clean, audit-ready books that close on time.
GST, e-invoice and TDS handled inside the same system, not bolted on after the fact.
field-collection and customer apps in Flutter, connected straight into your loan core for offline-first collections and borrower self-service.
| Where you are now | Where Acube takes you |
|---|---|
| Origination spread across separate KYC, scoring and approval tools | One guided journey from application to disbursal with scoring built in |
| Overdue accounts discovered late, NPAs written off after the fact | Automated aging and early-warning alerts that surface risk while it's recoverable |
| Field collections on paper, cash reconciled days later | Offline-first mobile app — payments and visits captured on the spot, synced to finance |
| Audit prep means days of hunting for KYC and trails | KYC, TDS and full audit trails ready to export on demand |
| Leadership reacts to stale numbers in monthly decks | Live portfolio, recovery and productivity dashboards, any time |
| New loan products need spreadsheets and workarounds | Custom products, rules and repayment structures configured in the core |
| Area | What you get |
|---|---|
| Origination & underwriting | Application intake, credit scoring, approval workflows and document capture in one journey. |
| Servicing & repayment | EMI management, bounced-payment tracking, restructuring and aging reports. |
| Field collections app | Agent schedules, on-the-spot payment capture, visit logging and offline sync. |
| Customer 360 & portals | Loan summaries, payment history, EMI reminders and borrower self-service. |
| KYC, risk & compliance | Onboarding, document validation, TDS and regulatory reporting with audit trails. |
| Receipts & reconciliation | Digital transaction proofs on the go, reconciled to finance in real time. |
| Performance dashboards | Portfolio health, NPA aging, agent productivity and recovery trends, live. |
| Roles & access control | Role-based permissions and audit logs so the right people see the right data. |
Accounts that could have been recovered with a timely nudge slip into default because nobody saw the warning signs in time. That is principal you never get back.
When approvals take days instead of hours, your best-quality applicants walk to whichever lender said yes first. Every lost loan is lost interest income.
Scattered KYC and incomplete trails turn a routine inspection into a scramble — and exposure you would rather not carry.
Paper-based field collections mean more trips, more reconciliation hours and more cash sitting in transit instead of in your account. Now weigh that against the alternative. Because the platform is built on open-source ERPNext, there are no per-seat licence fees — you add branches, agents and borrowers without a bill that scales against your headcount. For most lenders that is a path to roughly 60–80% lower total cost of ownership versus proprietary core lending systems (an illustrative range — your numbers depend on scale and scope), with far more flexibility to shape the system around your products. You stop renting someone else's rigidity and start owning a core that grows with you.
Clients like BitSave rely on Acube for digital financial operations — bringing structure and a single source of truth to work that used to live across disconnected tools. It is the same approach we bring to every lending engagement: understand the products, configure the core, and get the team running on data they trust.
The platform fits any model — microfinance networks, retail credit portfolios or asset-backed lending — with security, role-based access and audit trails throughout. Whether you serve urban retail borrowers or rural microcredit, the system adapts as you scale.
Origination, EMI servicing, field collections and compliance are configured by people who have built them before.
You get partner-grade implementation on an open-source core — no licence lock-in, full ownership of your platform.
Origination, accounting, GST/TDS and mobile collections live in the same system, so your data agrees with itself.
Custom loan products, interest rules and approval flows — not a template you have to bend your business to fit.
In business since 2011, with 70% of our work coming by referral — clients send us the next client because the last project landed. Let's map your lending operations to a single core. Call +91 62358 66111 or WhatsApp an ERPNext expert.
Official ERPNext Partner
Yes. The field-collections app captures payments and visit updates offline and syncs to finance automatically when the agent is back online — built for low-network areas and rural routes.
It gives you the tools to. Automated repayment monitoring, overdue alerts and aging reports surface at-risk accounts early, so your team can act inside the recovery window instead of writing accounts off later.
Yes. KYC capture, document validation, audit trails, TDS handling and GST/e-invoice compliance are built into the same system, so compliance is part of daily workflow rather than a year-end project.
Yes. ERPNext is open-source and fully customisable, so origination journeys, credit scoring, interest calculations and repayment structures are configured to your products and regulations — including new schemes you launch later.
Security and role-based access are built in. Permissions are set by role, and every change carries an audit log, so the right people see the right data and nothing happens off the record.
Yes. ERPNext is built for integration — credit bureau checks, payment gateways, bank feeds and other systems can be connected so origination and collections flow without manual re-keying.
Yes. The same core serves microfinance networks, retail credit and asset-backed lending — and because there are no per-seat licences, growing from a few branches to many doesn't change the licensing maths.
As an Official ERPNext Partner in business since 2011, we stay on after launch — troubleshooting, monitoring, training and enhancements — so the system keeps pace as your loan book and products evolve.
Get a clear plan, an honest timeline, and a fixed scope. Talk to a real expert today — whether or not you work with us.
Kochi (Kadavanthra & Infopark) · Thiruvananthapuram · across India & overseas · In business since 2011