Money lending software for licensed private lenders
Private lending moves fast and is judged on records. A loan booked in a minute is worth nothing if nobody can produce the receipt, the balance or the interest working six months later when the borrower disputes it.
What usually gets in the way
- ✕Loans written in a notebook, interest recomputed from memory
- ✕No receipt the borrower will accept as proof of payment
- ✕Interest disputes with no dated working to point at
- ✕No idea of total money on the street at any given moment
What Byaj Batta does about it
One-step loan booking
Punch a loan directly — customer, amount, rate, tenure, first instalment — with no application or underwriting steps in the way when they are not wanted.
Flat or reducing, any frequency
Daily, weekly, twice-monthly or monthly interest, flat or on reducing balance, with the full schedule generated up front.
Receipts and statements
A printable receipt for every collection and a statement of account for any loan, so a dispute is settled with a document.
Charges handled honestly
Processing fee, file charges and other charges either deducted from the disbursement or collected separately, with a receipt in either case.
Portfolio at a glance
Total principal out, interest accrued, what is overdue and by how many days, without adding anything up by hand.
Built AI-native, not AI-bolted-on
Tezu, the built-in AI agent, answers questions about your own book in plain language, and AI import reads whatever spreadsheet you already keep — mapping arbitrary column headings onto customers, loans and deposits — so moving in does not mean retyping years of records.
See how the AI works →Frequently asked
Can I book a loan without an application process?
Yes. The Personal Loan screen books a loan in one step — no application, field investigation or underwriting — for lenders who do not need those stages.
Does it handle daily interest lending?
Yes. Daily, weekly, twice-monthly and monthly schedules are supported, on flat or reducing-balance interest.
Can I give the borrower a receipt?
Yes. Every collection can be printed as a receipt, and a full statement of account can be generated for any loan.
Can charges be collected up front instead of deducted?
Yes. Charges can be collected from the borrower separately, with a receipt recorded before the loan is disbursed, rather than netted off the disbursement.