Blog
Practical notes on interest, collections, KYC and keeping a loan book in order.
Automatic EMI reminders get more instalments paid on time. What a good reminder setup does, what to check before you choose a lending app, and how to keep it respectful.
· 4 min read
A low monthly price is not always a low cost. How small lenders can compare lending apps fairly: per-user fees, setup charges, limits and what you can take with you.
· 4 min read
A step-by-step plan for moving your loan book out of spreadsheets or a notebook: what to clean, what to move, how to run both for a while and when to switch off the old one.
· 7 min read
Two borrowers, the same 60,000 loan: one pledges gold, one does not. See how risk, rate, LTV, margin calls and credit scores differ, for lenders and borrowers.
· 7 min read
A worked example of the same loan under flat and reducing balance interest, and why a flat rate costs more than it looks.
· 5 min read
A practical checklist for gold lenders: what to write down, photograph and file for each loan so disputes are easy to settle.
· 5 min read
Spreadsheets work until they do not. Seven signs your loan book has outgrown them, and what to look for in the software that replaces them.
· 4 min read
Most late payments are forgotten, not refused. Seven low-effort habits that get more EMIs paid on time without damaging the relationship.
· 4 min read
What to collect, check and protect when you verify a borrower: a practical, country-neutral checklist for small lenders.
· 4 min read
A plain-English guide to loan management systems: what they do from application to final EMI, and who needs one.
· 3 min read