SelvamMoney lending & financeAvailable · set up for your business
Every rupee lent, accounted for.
Selvam runs a money-lending finance business — loans, daily collections, settlements, the chits you join, office expenses and partners' capital — in one cash book that always adds up.
Your own private system, set up with your loan products, opening cash, partners and team. Works in the office and on the phone.
- EMI and short-term loans in one book
- Collections, receipts and reminders
- Cash and bank always reconciled
For lenders who have outgrown the ledger notebook.
When dues live in a register, receipts in a bill book and the cash count in someone's head, every month-end is a reconciliation. Selvam keeps one record that the owner, the office and the collection agent all work from.
- Finance companies and money lenders giving personal, business and hand loans
- Owners who want to know what is out, what is overdue and what came in today — without a spreadsheet
- Partnerships that need every partner's capital and withdrawals on record
The whole lending business, in one cash book.
Six connected parts. Every rupee that moves in one of them lands in the cash book, so cash in hand and the bank balance are always known.
- 01
Loans
EMI loans with flat or reducing-balance interest, and short-term loans at a rate you set for each loan — per day, per month or flat for the term. Application, owner approval and disbursal, with guarantors.
- 02
Collections
Who is overdue, who is due today and what falls due this week. Payments clear the oldest instalment first, with late fees after a grace period, and every payment gets a numbered receipt.
- 03
Settlements
Close a loan early for exactly what is owed, or settle for an agreed amount. Type the final amount to see the rate the loan actually earned — or type the rate to get the amount.
- 04
Chits
The chits your business has joined: monthly subscriptions that vary with the dividend, and the prize money coming in as one amount to lend, with what is still to pay shown as a liability.
- 05
Expenses & partners
Office rent, salaries, power and travel, with monthly costs added in one click. Each partner's capital in and withdrawals of any amount, with a printable statement.
- 06
Cash book & reports
A day book with opening, running and closing balance for cash and bank. Profit and loss for any period, overdue ageing, collections and disbursal registers, all exportable.
Built the way a finance office actually works.
Owner stays in control
Staff apply for loans and collect payments. Approvals, settlements below what is owed, write-offs and reports stay with the owner.
Nothing is quietly erased
Reversed payments keep their receipt, marked reversed. Every money-moving action is on the audit trail.
Numbers you can check
Schedules add up to the rupee, and interest, fees and principal are shown separately on every receipt.
Set up with you, not handed over.
A lending book is only useful when the opening figures are right. We set Selvam up around your loan products and bring your running loans in.
- 01
See it on your figures
A demo walks through a loan from application to closure, using the kind of loans you give.
- 02
Set up your products
Your rates, tenures, processing fees, late fees and grace days become ready-made loan products.
- 03
Bring in running loans
Borrowers, active loans, opening cash and bank, partners and chits are entered and checked with you.
- 04
Train the team
The office and collection agents learn it on real tasks, with WhatsApp support after go-live.
Run a finance business?
Tell us how many loans you run and how you track them today. We will show you Selvam on loans like yours.