Loan desk
Employee lending · OMR
Signed in as
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Operations

Overview

Loan requests

Repayments to confirm

Bank verifications

Employee card verifications

Custom plan requests

Ask before deciding

Ask the employee a question

Common questions tap to use
Sent to them on WhatsApp. The request stays pending. Asking does not approve or reject it.
Custom plan · counter-offer

Send different terms

OMR
OMR
They receive the offer on WhatsApp and can accept or decline it there.
Proof sent on WhatsApp

Attachment

People Everyone

The loan book

Manual reminder

Send a reminder

Message

Loan

Company funding i

Funding history

Recommendations to review

People

Rules & settingsPoints, red flags and levels

What happened

Messages sent to people

People

What each role can do

Changing a role applies to everyone holding it, immediately.

Lending

Pausing stops new requests only.

Repayment reminders

Utilitiespreview and test runs
Reminder status, loan by loan

WhatsApp reminder templates

Needed to reach borrowers who have not messaged in the last 24 hours. Until a template is approved, reminders use the normal message.
Templatesloading…

Who employees are told to contact

Named when the bot refuses a request.

Jobs

Checking whether these run automatically…
Overdue checkCan restrict repeat cases.
Due remindersMessages borrowers.
Risk scores

Download data

Loans
Payments
Employees

Test an employee

Creates nothing.

Recent rule changes

Tappable menus

Optional: typing still works.
checking…
Template → Twilio content ID in use

Simulator testing tool

Sends no real message.
Open
Requests, repayments and answers made here are real records in this system. Use a test employee.
L
Loan desk
WhatsApp · simulator
New borrower

Add Employee

They can borrow once their company is funded and their bank account is confirmed.
The person
This is how they borrow, repay and receive reminders.
Where they work
Where loans are paid optional
Without one an approved loan cannot be transferred. They can also send it on WhatsApp.

Employee Profile

Permanent removal

Delete Employee

Employees

Import many at once

One person per line: Name, WhatsApp, Company, Category. Paste straight from Excel works too.
Company funding

Add funds

OMR
Shown in Funding History on this page next to the amount and who recorded it, and kept in the audit trail.
Record a repayment

Record Payment

OMR
Correct a loan

Edit loan

Amounts
Dates and transfer
Every change is recorded in the audit trail under your name.
Reject loan request

Reject Request

Reason sent to the employee
This closes the requestNothing is lent. To borrow, they would have to ask again on WhatsApp.
Loan rule

Edit Policy

Limits
WhatsApp quick-pick amounts are set automatically. 10 OMR steps for short-term, 50 OMR for long-term.
Repaid over
How often blank = no limit
Example: 3 loans per 12 months = up to 3 loans in any 12-month window.
Before they can borrow
Approval
When repayments are late
A restriction blocks any new request until an admin or executive lifts it.
AdvancedAmount range, cooldown, repayment proof, custom plans
Amount range
Period and cooldown
Custom plans
Approve loan request

Approve Loan

They receive
Loan desk
Employee lending, on the record.
Employee lending · OMR

Sign in to Loan desk

Forgot your password? Ask an administrator.
Your sign-in

Change password

At least 8 characters. Other devices are signed out; you stay signed in here.
Reset someone's sign-in

Reset password

They are signed out everywhereThey sign in with this temporary password and must choose their own straight away.
Create a loan outside WhatsApp

Create a loan

For a loan instructed in person or by a manager. It is recorded as created by you, with your reason, and the employee is notified.
1 · Who
2 · How much
OMR
1 = monthly, 2 = every two months.
3 · When it is repaid
The full remaining balance is due by this date.
4 · Why
Stored on the loan and in the audit trail. Make it specific enough that someone reading it in a year understands.
Team & Access

Add User

Give this person their own sign-in. They will be asked to choose their own password the first time they use it.
Who
Roles pick one or more: access is everything they allow, combined
Select none for every company. Selecting some limits this person to those companies everywhere.
What this grants
Role

Edit Role

Reputation · manual adjustment

Adjust reputation

Positive adds, negative removes.
Flags count towards a restriction review.
Reputation history

History

Reputation rules

Add a company or category rule

Overrides the global default for this company and, optionally, one category in it.
Please confirm

Are you sure?