Documentation

Brokers

You manage lenders, borrowers, transactions, interest, bills, and ledgers from the dashboard. Read Part 1 before creating your first deal.

Parties (lenders & borrowers)

If your broker gave you portal credentials, Part 2 explains what you can see and where to find balances, deals, and bills—without access to the broker's full workspace.

The spine

• Create your broker account and workspace.
• Configure workspace settings (mode, timezone, interest, brokerage defaults).
• Add parties—lenders and borrowers—with the right details for your mode.
• Create transactions on the Deal Sheet.
• Settle interest (and brokerage or letters, depending on mode).
• Use Ledger, Bills, Messages, and Automations as your book grows.

Registration

• Open Get started on the marketing site or log in and switch to register.
• Provide name, username, email, and password. An optional referral code may apply credits.
• Your default workspace opens at /w/{username}/dashboard.

Before you operate

• Verify your email when prompted—dashboard access may be gated until verification completes.
• An active subscription is required for full dashboard use.
• You can own up to five workspaces; additional workspaces are created from Settings or the workspace switcher.

Workers (optional)

Under Settings → Workers, create staff logins with per-page read, write, delete, and undo permissions. Workers see only the pages you allow—useful when clerks handle Deal Sheet entry but should not touch settings.

Account & security

• Passkeys and login OTP protect your broker account.
• Set these up before sharing workspace access with workers.

Appearance

• Accent colour, sidebar layout, table density—personal display preferences on your device.

Workspace & display

• Time zone aligns deal dates and schedules with where you operate.
• Currency decimals and tenor labels control how amounts and periods appear.
• Company profile links to branding used on bills and exports.

Transactions

• Operating mode: Bank mode (direct lender-borrower) or Cash mode (broker-mediated). This is the most important choice—it changes navigation, interest settlement, and whether Brokerage or Letters modules appear.
• Separate lenders and borrowers: when enabled, pickers and lists split by party position.
• Brokerage defaults: total brokerage %, validity days, and lender/borrower share splits apply to new deals unless overridden.

Daily cash flow

• Enable the physical cash notebook module and set the running-balance baseline date if you track float outside bank rails.

Interest

• Interest formula, compounding, TDS rules (bank mode), rate input mode, and payment grace days.
• TDS is disabled in cash mode; configure TDS only when running bank mode.

Sharing & access

• Control who can join this workspace and linked workspaces on your login.

Bills calendar

• Optional pseudo-calendar labels on printed bills—for example Vikram Samvat-style overlays alongside Gregorian dates.

Workers

• Create staff accounts with limited permissions per dashboard page.

Bank mode (direct lender-borrower)

• Lender and borrower deal directly; the broker tracks and earns brokerage.
• Single interest rate on each transaction.
• TDS applies when both parties are marked TDS applicable.
• Brokerage page is visible—track lender and borrower brokerage separately with receipts and analytics.
• Letters page is hidden.
• Party bank details appear on bills.
• Interest settlement is unified: net after TDS, full payment only.

Cash mode (broker-mediated)

• The broker sits between lender and borrower; money and paper flow through the desk.
• Separate lender and borrower interest rates; broker spread is the difference.
• TDS is disabled in cash mode.
• Letters page is visible—track letters of exchange through the chain.
• Brokerage page is hidden; brokerage is handled through cash-interest settlement, not a separate ops workspace.
• Party bank details are not used on bills or in workflows.
• Interest settlement is per side: borrower interest received and lender interest paid separately.

Party positions

• Lender: funds are lent out through your book.
• Borrower: funds are borrowed.
• Both (universal): one contact can act as lender or borrower on different deals.

What to capture

• Name, false name, phone, email, PAN, notes, and category.
• TDS applicable flag (bank mode only—used when both sides are flagged).
• Bank details: required for bill print surfaces in bank mode; not used in cash mode.

Bulk import

Import parties from CSV. Cash-mode workspaces require lender_rate_percent and borrower_rate_percent columns on transaction imports; party import follows the standard column set.

Creating a transaction

• Pick lender and borrower parties, principal, tenor, and rates (single rate in bank mode; lender and borrower rates in cash mode).
• Brokerage amounts and validity follow your workspace defaults unless you override per deal.
• Saving creates the transaction chain root and schedules interest from your Interest settings.

After creation

• Interest schedules appear under Interest.
• Ledger entries record principal and charge movements.
• Bills can be generated for demand notices and settlement paperwork.
• In cash mode, letter tracking attaches to the chain for letters of exchange.

Renewals and closures

Renew maturing deals from the Deal Sheet without rebuilding context in a spreadsheet. The chain preserves history across renewals—important for letters in cash mode (one letter per chain).

Interest

• Open Interest for schedules, overdue buckets, and settlement.
• Interest settlement is a single card: net after TDS, full payment only.
• TDS lines appear when both lender and borrower are marked TDS applicable.

Brokerage

• The Brokerage page tracks lender-side and borrower-side brokerage independently.
• Record receipts, view summary and analytics, and reconcile follow-ups in one place.
• Brokerage defaults from Settings → Transactions apply unless overridden per transaction.

Ledger & bills

• Ledger is the canonical narrative—every movement tied to a transaction, filterable and exportable.
• Bills show charges & settlement with ratePercent and bank columns from party records.
• Printed bills show full transaction notes, and when interest is paid: paid status, payment date, and optional payment remark (no Due/Unpaid text on print).

Interest

• Borrower interest received and lender interest paid are settled separately.
• Net payable, full payment only—no unified TDS card.
• Broker spread is embedded in the rate difference between lender and borrower sides.

Letters

• Letters of exchange: borrower letter received when loan goes to lender; lender letter returned when the chain is fully repaid.
• One letter per chain across renewals—the chain root carries letter status.
• Track borrowerLetterReceived and lenderLetterReturned with dates, reference, and notes.

Brokerage in cash mode

Brokerage is not tracked on a separate Brokerage page. Per-transaction brokerage amounts still exist, but settlement flows through cash-interest handling. Use Interest and Deal Sheet for operational follow-up.

Ledger wording

Ledger entries use broker-mediated labels—for example interest paid to broker and interest received from broker—reflecting that cash flows through your desk.

Core operations

• Overview — cockpit for principal at risk, interest due, brokerage, maturities, and recent activity.
• Parties — counterparty management, categories, rate monitor, CSV import.
• Deal Sheet — transaction grid, renewals, and date-based review.

Money & paper

• Brokerage — bank mode only; receipts, summary, analytics.
• Interest — schedules, settlement, analytics.
• Ledger — canonical movement narrative, exportable.
• Bills — print and demand notices.
• Daily cash flow — optional physical float notebook.
• Letters — cash mode only; letters of exchange tracking.

Communication & automation

• Messages — requires Messaging Pro from the Store; broker–party chat with slash commands.
• Maya AI — requires Maya AI Pro from the Store.
• Automations — owner-only workflows triggered manually, on a schedule, or by activity events.

Administration

• Store — subscription plans, billing history, and referral tracking.
• Company — branding that feeds bills.
• Activity log — audit trail of workspace actions.
• Settings — all configuration sections described above.

Messages

• Purchase Messaging Pro in the Store to unlock Messages for your workspace.
• Conversations with parties; slash commands for quick lookups and settlements.
• Broker commands include settlement shortcuts—/brokerage pay is bank mode only; letter commands are cash mode only.
• Parties with portal access can use read-only commands such as my profile, remaining interest, brokerage summary, bill, and ledger.

Automations

• Owner-only: workers cannot configure automations.
• Triggers: manual run, schedule (once, daily, weekly, monthly), or when something happens (activity events).
• Steps: wait, send message, run command (read-only), send push to broker, send party report, send bills.
• Party targets: one party, selected parties, all parties, party category, party from trigger event, or filtered audience.
• Report kinds: pending interest, pending brokerage, pending letters, transactions (period), ledger (period).

Purchase entitlement

• Open Store and purchase Party Portal Access.
• Without this add-on, portal fields on parties show a prompt to buy access.

Configure per party

• Edit a party → Party portal (optional).
• Portal username is assigned automatically: {workspaceSlug}_{partySlug} (numeric suffix if needed for global uniqueness).
• Set a portal password (minimum 8 characters). You may store a readable copy to share with the party.
• Remove portal password to disable sign-in for that party.

Share credentials

Give the party their portal username and password. They use the same site login as brokers, with portal credentials—not your broker email.

Sign in

• Open Party portal sign-in from the marketing site or go to /portal.
• Enter portal username and password provided by your broker.
• After sign-in, your home is /p/{portalKey}/portal.

Multi-account features

• Connect party account — link another party's credentials to view their data without signing out.
• Combined view — select two or more linked accounts for an aggregated read-only overview and deal sheet.

Always available

• Overview — net position, outstanding receivable/payable, lifecycle health, shortcuts.
• My profile — read-only profile, transaction lifecycle, ledger, analytics, and settlement status for your side.
• Deal Sheet — read-only lifecycle and settlement for your transactions.
• Interest — schedules and settlement status (read-only).
• Ledger — movements tied to your deals.
• Bills — bills linked to your side of transactions (read-only).

Mode-dependent

• Brokerage — visible in bank mode; in cash mode this route redirects to Interest.
• Letters-related context appears in deal views in cash mode.

Add-ons

• Messages — available when your broker has Messaging Pro.
• Maya AI — available when your broker has Maya AI Pro.
• App settings — device preferences on the native Android app.

Common messages

• Party portal is not enabled for this brokerage — broker has not purchased Party Portal Access in the Store.
• Portal access expired — broker's Party Portal add-on is no longer active.
• Portal access is disabled — contact your broker; you may be routed to /portal/disabled.
• Cannot sign in — broker may have removed your portal password.

What to ask your broker

• Confirm Party Portal Access is active in their Store.
• Confirm your portal username and that a password is set on your party record.
• Confirm you are using portal credentials, not the broker's email login.

Core terms

• Parties — lender and borrower contacts managed by the broker; not app logins unless portal is enabled.
• Deal Sheet — primary grid for creating and managing transactions.
• Transaction mode — bank (direct lender-borrower) or cash (broker-mediated).
• Chain — a transaction and its renewals; letter status in cash mode attaches to the chain root.
• Subscription — active plan unlocks full dashboard access for your workspace.
• Workers — staff logins with limited dashboard permissions.
• Entitlements — Store purchases that unlock Messages, Party Portal, Maya AI, worker slots, and transaction credits.