A pipeline shaped like a loan file, not a software demo: eligibility, documents, login, sanction, disbursal, each with evidence before it moves. From ₹899/user/month.
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The typical desk runs on a WhatsApp group, a shared spreadsheet and one person who knows where everything stands. It works until volume doubles or that person takes leave, and then files start ageing silently.
The cost is rarely a lost customer at the enquiry stage. It is a file that waited eighteen days for one document, a sanction that expired unnoticed, and a connector who kept sending profiles nobody converted.
A finance pipeline is not a sales funnel with different labels. It is a file moving through custody: your desk, the customer, the lender, then back. Six stages carry that: enquiry, eligibility checked, documents collected, logged in, sanctioned, disbursed.
Two additions matter. Record the lender and product on the file, because the same customer may run at two lenders. And record an expected disbursal month, because sanction month and disbursal month are frequently not the same month.
Every stage in finance has paperwork behind it, which makes exit criteria unusually easy to enforce. Eligibility checked needs recorded income and obligations plus bureau consent. Documents collected needs a complete checklist. Logged in needs an acknowledgement number from the lender.
Sanctioned needs the sanction letter attached with its validity date, and disbursed needs a payment reference. If the evidence is missing, the file does not move, however confident the caller sounds. That single rule makes the forecast worth reading.
Times vary by product. An unsecured personal loan can run in days; a secured or property-backed case runs in weeks because valuation and legal sit in the middle.
| Stage | What it means | Exit criteria (evidence) | Typical time |
|---|---|---|---|
| Enquiry | Requirement captured, not yet assessed | Contact reached, amount and purpose noted | 1 to 2 days |
| Eligibility checked | Profile matched to a lender and product | Income, obligations and bureau consent recorded | 1 to 3 days |
| Documents collected | Full file assembled for login | Every checklist item marked received | 3 days to 3 weeks |
| Logged in | File submitted to the lender | Login acknowledgement number on the file | 2 to 10 days |
| Sanctioned | Credit approved, terms issued | Sanction letter attached with validity date | 1 to 4 weeks |
| Disbursed | Money released, payout due | Disbursal reference recorded | Closed |
Four lists, in this order: documents pending beyond the ageing limit, sanctioned but not disbursed with validity dates, files awaiting lender response, and new enquiries not yet contacted. Each file gets a named owner and a date.
Do not read the whole board aloud. The purpose of the meeting is to unstick files and to close dead ones honestly, so that next month's forecast is a smaller number that happens to be true.
Disbursal forecast by month, built from files rather than confidence. Document ageing, which is where recoverable business hides. And login-to-sanction ratio by lender and source, which tells you which partners send profiles that survive credit and which send volume.
No pipeline cures a discipline problem. If the team will not mark a document received or a rejection reason honestly, ageing reports simply become decorated guesswork. Choose a small stage list and hold it for a quarter before adding anything.
This is not a loan origination system, a credit engine or an underwriting tool, and it makes no lending decision. It manages the conversations, follow-ups and status around a file. Regulatory compliance, customer data protection and lender agreements stay with the business.
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Files sit for weeks waiting on one missing document, and nobody notices until the customer calls to ask what happened.
Each file carries a checklist and an ageing clock, so anything pending beyond the agreed number of days appears on a worked list every morning.Document ageing alerts
The month-end number is a guess, because sanctioned files, logged files and hopeful conversations all sit in the same mental bucket.
Sanction and disbursal are separate stages with an expected disbursal month, so the forecast is a filtered list of files anyone can open and check.File-level disbursal forecast
Sanctioned cases quietly lapse while the team chases new leads, and the effort already spent on credit is written off.
Sanctioned but not disbursed is its own stage with a validity date, so the list is short, visible and impossible to forget.Sanctioned-not-disbursed list
Nobody knows which referral partner or lead source actually converts, so payouts and spend follow noise rather than results.
Source is captured on the file and carried through to disbursal, so conversion by source can be read directly rather than reconstructed.Source-to-disbursal tracking
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