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The Financer app icon

The Financer · द फायनान्सर

A product by Evolvah Technologies

Know every loan.
Collect every rupee.

The loan and collection app for Indian lenders. Keep customers, interest and dues in one place, let your managers collect in the field, and approve every rupee from your phone.

Get it onGoogle PlaySee how interest works
  • Owner and Manager apps
  • English and मराठी
  • PDF and Excel reports

Screens on this page use fictional demo data.

Payments and dues list with Collect and Settle actions
Loan overview with outstanding principal and next due date
Owner dashboard with today's, tomorrow's and overdue dues and a portfolio summary

01 /One loan, start to finish

From the first entry to the final receipt.

Six screens a loan passes through. Owners and managers see the same record, with different powers.

  1. 01 · Customer

    Add the customer once

    Name, both mobile numbers, occupation, permanent and current address, and an Aadhaar number. After that the customer is one tap away from any loan.

    • Photo and Aadhaar on file
    • Same-as-permanent address shortcut
    Add customer form

  2. 02 · Loan

    Set the terms, see the interest

    Pick the customer and the collection manager, then enter principal, rate, cycle and duration. The interest per cycle is worked out before anything is saved.

    • Weekly, monthly or yearly cycle
    • Collateral recorded with the loan
    Live interest calculation on the create loan form

  3. 03 · Due date

    The day's work is already sorted

    Today, Tomorrow, Overdue, Upcoming or any date you pick. Call, WhatsApp or text the customer straight from the card.

    • Totals for today, tomorrow and overdue
    • Search by name, mobile or address
    Payments and dues list with Collect and Settle actions

  4. 04 · Collection

    Enter what was actually paid

    Record the amount and how it was paid. The app splits it into interest covered and the excess, and shows the new principal before you confirm.

    • Cash or online
    • Receipt photo and remarks
    Record collection screen showing how an overpayment reduces principal

  5. 05 · Control

    Nothing is final until the owner says so

    A manager's collection is sent to the owner as a request. Until it is approved or rejected, the loan cannot take a second payment, so the books never drift.

    • Approve or reject in one tap
    • Every decision lands in the audit log
    Collection blocked while a manager request is waiting for owner approval

  6. 06 · Record

    A ledger that explains itself

    Each payment keeps its interest portion, principal portion and the principal left after it. Share a receipt with the customer on WhatsApp or SMS.

    • Receipts in English and मराठी
    • Full history per loan
    Loan payment history ledger

02 /Owner and managers

Your team collects. You stay in control.

One app, two roles. Owners run the book. Managers see only their own customers and only what you allow.

The owner app

See everything. Approve everything.

  • Every customer, loan and manager in one place
  • Approve or reject each manager collection
  • Reports, write-offs and the audit log
  • Switch each manager's permissions on or off
Collection managers list
Manager permission switches

The manager app

Collect in the field. Fast.

  • Only the customers assigned to them
  • Today, Overdue and the tabs you switch on
  • Collect, then send it to the owner to approve
  • Call, WhatsApp or text from the same card
Manager dashboard with assigned customers and quick access
Manager view of an overdue customer with Collect and Settle

Manager permissions

Flip a switch and watch the manager's app change.

Visibility

  • Tomorrow's collections

    View tomorrow's upcoming collections

  • Upcoming collections

    View collections beyond tomorrow

  • By date collections

    Browse collections by custom date

Actions

  • Collect payments

    Collect and submit payment entries

  • Settle loans

    Initiate loan settlement or closure

Customer access

  • Personal details

    Address, Aadhaar and guarantor info

  • Loans and payment history

    Loan details and payment records

What the manager sees

TodayTomorrowOverdueUpcoming
SK

Savita Kamble

Interest only · due today

₹2,400

Collect

Personal details

Address, Aadhaar, guarantor

Loans and payments

Loan details, payment records

Can see: Today, Tomorrow, Overdue, Upcoming. Can do: collect payments. On a customer: personal details and loan history.

03 /Interest lab

Interest-only loans, worked out for you.

The Financer lends on a simple rule: interest each week, month or year, and the principal stays until it is paid down. Try it. Change what the customer pays and see how the loan and the receipt respond.

₹1,00,000
2%

Cycle

Interest due this month

₹2,000

₹1,00,000 × 2% = ₹2,000

₹2,000

Paid exactly the interest due. Drag the payment to see what happens with more or less.

Principal after

₹1,00,000

Unchanged

Next month

₹2,000

Interest on the new principal

Receipt sent to the customer

Shared on WhatsApp or SMS in English and Marathi

🧾 Payment Receipt

Hello Ganesh,

We have received your payment of ₹2,000 on 12 Oct 2026.

Outstanding Principal: ₹1,00,000

Thank you for your timely payment!

9:41

Ledger entry saved with it

Collected
₹2,000
Interest portion
₹2,000
Principal portion
₹0
Principal after
₹1,00,000

Illustrative figures. Amounts are rounded to the nearest rupee, as in the app.

04 /Reports and control

Numbers you can trust, and a trail to prove them.

Collections, profit, write-offs and every approval, in reports you can export and an audit log that records who did what.

Reports

Daily to monthly, by manager, in PDF or Excel.

Disbursed, collected, outstanding and NPA loss on top. Open any report and export it in one tap.

Reports and analytics categories
Manager performance report with PDF and Excel export

Write-offs

Bad loans, recorded honestly.

Lost principal and lost interest are tracked on their own, and a recovered loan can still be settled as paid.

NPA write-off screen with lost principal and interest

Audit log

Who did what, and when.

Approvals, rejections, manager changes and phone-number updates, filterable by type.

Audit log of security and approval events

Business financials

Profit at a glance. Private when you need it.

Gross interest, expenses and net profit for the month, the year or all time. One tap on the eye hides every amount.

Business financials with net profit, gross interest and expenses
Business financials with amounts hidden

  • App lock

    Passcode or biometrics before the app opens.

  • Double-tap safe

    A payment cannot be submitted twice by accident.

  • Timely alerts

    Approvals, overdue dues and daily summaries.

  • Private by design

    Encrypted in transit and not shared with third parties, as declared in Google Play data safety.

05 /Dark, light, मराठी

The same app, day or night.

Collectors work in bright sun and dim shops. Both themes are built in, and switching takes one toggle in Settings.

Dashboard in light mode

Dashboard

Payments and dues in light mode

Payments and dues

Verification Center in light mode

Verification Center

Reports in light mode

Reports

मराठी

Speak your team's language.

Every screen, label and alert can run in English or मराठी. Pick it in Settings. Receipts go to your customers in both languages in a single message.

Language picker with English and Marathi
The same dashboard in Marathi
Payments and dues list in Marathi

06 /Questions

Straight answers.

What lenders ask us before they install it.

Which kinds of loans does The Financer handle?

Interest-only loans. The customer pays interest every week, month or year, and the principal stays outstanding until it is paid down or the loan is settled. The interest for a cycle is the principal times the rate, divided by 100.

What happens if a customer pays more or less than the interest due?

You decide at collection time. An extra amount can reduce the principal or count toward the next interest. A shortfall can stay as overdue or be added to the principal. The receipt spells out the split so the customer sees exactly where the money went.

Can managers see everything?

No. A manager sees only the customers assigned to them. The owner switches the Tomorrow, Upcoming and By Date tabs, Collect, Settle, personal details and loan history on or off for each manager, and a manager's collections go to the owner for approval.

Does it work in Marathi?

Yes. The whole app runs in English or मराठी, chosen in Settings. Receipts are sent to the customer in both languages in one message.

Can I export my reports?

Yes. Reports open as PDF or Excel exports with your business name on them, from daily and monthly collections to manager performance.

How is my data protected?

Sign-in uses a phone number and one-time code, and you can add a passcode or biometric lock to the app. The Google Play listing declares that data is encrypted in transit, is not shared with third parties, and can be deleted on request.

How do I get started?

Install it from Google Play. If you want it set up for your business, or a version built around how you lend, talk to Evolvah.

Every loan.
Every rupee. In your pocket.

Install The Financer, add your first customer and see tomorrow's collections in minutes.

Get it onGoogle PlayTalk to Evolvah

A product by Evolvah Technologies. Privacy policy · Need finance software built for you?

Owner dashboard in light mode
Owner dashboard with today's, tomorrow's and overdue dues and a portfolio summary
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