Loading…
Loading…
Also serving Alleppey
Alappuzha's farmers, fishermen and coir workers borrow from cooperative societies and local finance firms that still keep ledgers by hand; lending software on ERPNext tracks each loan properly.
Trusted by 200+ organisations across India & overseas — including
Credit in Alappuzha is local and personal. A Kuttanad farmer takes a crop loan from the service cooperative before sowing and repays after procurement money arrives. A fisherman at Thottappally borrows for nets and an outboard engine. Coir workers' societies, small finance firms, gold loan offices and chit operators fill the towns from Cherthala to Kayamkulam. Many still depend on ageing software or paper ledgers, and interest worked out by a clerk.
Acube's loan and lending management solution is built on ERPNext and the Frappe Lending app. It covers loan products, applications and KYC, approval workflows, disbursal, repayment schedules, interest and penalty accrual, collateral records, mobile field collections and NPA reporting, with every entry posting to the general ledger. For an Alleppey lender the appeal lies in having loans and accounts in one system, with no per-user licence fee.
Loans with different rates, moratoriums, part-payments and penal interest are difficult to compute correctly on paper. Automated schedules and accruals give every borrower a precise statement, and spare the institution both under-recovery and arguments at the counter. Auditors can verify any figure.
Farm and fisheries loans are repaid when the harvest or the catch is sold, not monthly. Loan products can be configured with moratoriums, bullet or irregular repayment and harvest-linked due dates, so a loan is not shown as overdue when it is not.
Field staff collecting daily or weekly instalments from homes and markets write receipts by hand and deposit later. A mobile collection app records each payment on the spot with location and time, sends a receipt to the borrower and updates the loan ledger at once.
Lenders to Kuttanad paddy farming
Crop loan products tied to the sowing and harvest cycle, member-wise limits, land and crop particulars on the loan record, bulk posting of repayments when procurement payments are received, and overdue reports by polder or ward.
Seafood and inland fisheries credit
Loans for boats, engines, nets and fish farming with the asset recorded as security, repayment by season, and society-level reports for fishermen's cooperatives that lend to their members and sell their catch. Subsidy-linked schemes can be flagged on the loan.
Coir sector societies and small finance firms
Small-ticket working capital and personal loans, gold loans with pledge details and valuation, daily collection routes, automated reminders by SMS or WhatsApp, and NPA ageing prepared for the board and the auditor. Branches from Cherthala to Kayamkulam report into one ledger.
We begin by studying your loan products, by-laws or board policies, and the reports your auditor and regulator require. Existing loan accounts are migrated with balances checked borrower by borrower. Training is held at your branch in Alappuzha for counter staff and field collectors. Our Kochi team supports the system thereafter and configures new loan schemes as your board introduces them.
Case studies
Della Fashions
Della Fashions — ERPNext POS Made Checkout 60% Faster Across Every Outlet
BrahMos Aerospace Thiruvananthapuram Ltd (BATL)
BrahMos (BATL) — Secure, Auditable ERPNext Finance & Procurement
Kerala State Road Transport Corporation (KSRTC)
KSRTC — ERPNext Courier System Delivered ₹1 Crore in Profit
The platform serves NBFCs, microfinance institutions, cooperative banks and credit societies, and gold-loan lenders. For a cooperative we configure member records, share capital links and the particular reports you file. We review your statutory formats before confirming the fit.
Yes. Pledged ornaments are recorded as loan security with weight, purity and valuation, loan-to-value limits can be enforced, and release is tied to closure. Auction-related processes can be configured as workflows according to your policy. Interest can be set monthly or for the full term.
Access is role-based, so a field collector sees only his route and a teller cannot change interest rates. All changes are logged. Hosting is on secured cloud servers with backups, or on your own infrastructure if your policy requires that.
Get a clear plan, an honest timeline, and a fixed scope. Talk to a real expert today — whether or not you work with us.
or write to info@acube.co
Kochi (Kadavanthra & Infopark) · Thiruvananthapuram · across India & overseas · In business since 2011