Lending, run on the same platform as the rest of your business
Capital Services is a dedicated lending module — loan products, an EMI schedule engine, a field collector network and collection tracking — kept isolated from the trade ledger but sharing the same parties, security and reporting.
What it manages
Loan products
Define interest method, tenure, processing fees and penalties once; every loan issued against a product follows those rules.
The EMI engine
Schedules are generated per loan and recalculated on part-payment, foreclosure or restructure — isolated from the trade accounting engine.
Customers
Borrower profiles with KYC, co-applicants and a full repayment history.
Collectors
Assign a field collector to a route or a set of accounts; track what was collected against what was due.
Collections & receipts
Log every repayment, allocate it across principal, interest and penalty, and issue a receipt.
Accounts
A cash and bank ledger for the lending book, kept separate from the trading firm's accounts.
Built to stay separate
Its own ledger
The lending book never mixes with trade accounting. Loans, EMIs and collections post to their own accounts.
Shared where it helps
Parties, users, roles and the reporting shell are shared, so a borrower who is also a customer is not entered twice.
A top-level module
Capital Services sits alongside Trade, not inside Finance — no collisions with loans, advances or the debt registry.
Reporting for the lending book
Collection performance
Collected against due, by collector, route and period.
Portfolio at risk
Overdue accounts by ageing bucket, and the amount exposed.
Receipts register
Every repayment with its principal, interest and penalty split.