Loan management software for corporate loan books
Staff loans, vendor and dealer finance, inter-company lending. Usually a modest number of loans, clear rules, and an auditor who wants a ledger that reconciles.
Corporates running internal loan books (staff advances, vendor and dealer finance, group-company lending) are the shape we expect to deploy fastest. We have not delivered one yet, and the estimate comes from how closely the requirement maps onto what is already built. The book is small, the rules are clear, the users are few, and the requirement is almost always the same: replace a spreadsheet with something the auditor will accept.
The one recurring gap is payroll-linked recovery, which is not integrated and is recorded manually today.
What works today
- Staff and employee loans
Term lending with interest, recorded properly, with certificates the employee can use for their own tax filing.
- Vendor and dealer finance
Advances to trade partners with tranche disbursement, penal interest on delay and a clear recovery record.
- Inter-company and group lending
Loans between group entities, each with its own scoped view, and a ledger that stands up in a consolidation.
- Interest certificates for employees
Interest Repaid Certificates generated from live balances, the document staff most often need at year end.
- Auditor access
A read-only role covering the whole book and the complete event log, without giving the auditor an operational login.
- Fast rollout
Few loan products, few users and a book that maps closely onto what is already built means short implementation.
Outside scope for this sector
- Payroll integrationNo hook into a payroll system. A salary deduction is recorded manually as a repayment rather than pulled automatically.
- HR system integrationNo connection to an HRMS for employee master data. Borrower records are maintained in GoDravix.
- Accounting connectorsNo integration with Tally, Zoho, SAP or any other ledger. Journal entries are made separately.
- Interest-free and perquisite handlingNo specific treatment for interest-free staff loans or the perquisite valuation that can follow.
Some of it is built into an engagement, some is genuinely out of scope, and some is development we can quote against your requirement. Which one it is depends on your workflow, and that is a fifteen-minute conversation rather than a guess.
Workflows this sector actually runs
Staff loan from request to closure
Sanction against a staff loan scheme carrying its standard rate, approval by the authorised officer, disbursement by finance, monthly recovery recorded as it happens, and an interest certificate at year end.
Vendor advance with delay penalties
Tranche disbursement against milestones, a penal rate that applies on overdue recovery and stays separate in the ledger, and an outstanding certificate when the relationship is reviewed.
Inter-company loan visible in consolidation
Each group entity sees its own position; finance sees the whole book. The running ledger gives the auditor the movement schedule directly rather than as a workbook somebody assembled.
Replacing the spreadsheet
The realistic before-and-after: interest that is computed by an engine rather than a formula somebody copied down a column, an approval that is a recorded event rather than an email, and a history that cannot be overwritten.
For this sector
The deduction happens in your payroll system and is recorded in GoDravix as a repayment, which allocates down the standard waterfall. For thirty or fifty staff loans that is a few minutes a month.
For several thousand it becomes a real operational burden, which is why payroll recovery sits on the roadmap, and is one of the more commonly quoted development pieces.
Reports and the running ledger export to Excel and PDF, and journal entries are posted in your finance system from those. Direct connectors for Tally, Zoho and SAP are roadmap, and among the most commonly requested.
Faster than any other segment on this site, because the requirements usually sit entirely inside what is already built. The variable is migration: a book with clean records moves quickly, while one reconstructed from years of spreadsheet versions takes longer. We scope after seeing the data rather than quoting a duration.
A loan can be recorded at a zero rate, so the mechanics work. The perquisite valuation that a concessional staff loan can attract for tax purposes stays a finance-team exercise for now, calculating and reporting it is roadmap.
See it on a book like yours
We demo the live production deployment. Bring the workflow you think will break it.
45 minutes | On the live deployment | A straight answer on fit