Why teams in Bangladesh choose it
Quick disbursement
Approve and disburse salary advances or full loans without spreadsheets.
EMI auto-schedule
Pick tenure and interest — the EMI schedule is built and locked automatically.
Payroll-linked
Each month, the EMI is auto-deducted in payroll. No manual reconciliation.
Approval workflow
Manager and HR approval with notes, before any funds move.
Audit trail
Every change — request, approval, deduction, closure — is logged.
Policy controls
Cap maximum loan amount by tenure or role to keep risk in check.
How it works
Employee requests
Employee submits a loan or advance request from the mobile portal.
Manager + HR approve
Approval flow with comments and policy checks.
EMI schedule generated
System builds the monthly repayment schedule based on tenure.
Auto-deduct in payroll
Every payroll run deducts the EMI until the loan is fully repaid.
Frequently asked questions
Can we configure interest rates?
Yes. You can set zero-interest advances or interest-bearing loans per policy.
What if an employee leaves mid-loan?
You can settle the outstanding balance in the final payslip with one click.
Can employees see their balance?
Yes. Employees see outstanding amount, EMI schedule, and history in their mobile portal.
Does it work alongside bonuses and overtime?
Yes. Loan deductions are part of the same payroll run as bonuses, OT and other adjustments.
Ready to modernize your HR?
Free to try. bKash & Nagad billing. Setup in under 30 minutes for most teams.