tough-loan
Nitthish FinanceLoan Collection OS — my favourite Instead of giving loans, sell software to the people already giving loans. Dashboard: ₹8.4 Cr Portfolio Due Today ₹18.4L Collected ₹13.8L Overdue ₹4.6L Collection Rate 75% Field agents get: Customer list GPS/location Payment history Promises to pay WhatsApp/SMS reminders Digital receipts Collection tracking Manager dashboard This isn't theoretical demand. Credgenics, one of the best examples, reported ₹220 crore FY25 revenue and ₹25 crore profit, specifically from debt-collection and resolution technology. Micro version Don't compete with Credgenics. Target: small NBFCs + local finance companies + MFIs with 1,000–20,000 borrowers. That is a much more approachable market. build me this micro fin tech
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COLLECTION SOFTWARE FOR THE PEOPLE ALREADY GIVING LOANS
tough-loan is a loan-collection operating system built for small NBFCs, local finance companies, and MFIs running 1,000–20,000 borrowers. Field agents get customer lists, GPS location, payment history, promises to pay, WhatsApp/SMS reminders, and digital receipts. Managers get a live portfolio dashboard to run the whole collection operation.
Software For The People Already Giving Loans
tough-loan is collection infrastructure, not a lending product — one system for managers, agents, and the finance companies that run them.
Collection Managers
See the whole portfolio at a glance and know where every field agent stands, every day.
- Portfolio oversight across due, collected, and overdue amounts
- Performance analytics and collection-rate tracking
- Team management across every field agent route
Field Agents
Everything needed on the ground: who to visit, where they are, and proof once collected.
- Customer list with GPS/location for every borrower
- Payment history and promises to pay in one view
- WhatsApp/SMS reminders and digital receipts on the spot
NBFCs & MFIs
Built for the finance companies already lending, sized for 1,000 to 20,000 borrowers.
- Scales cleanly from 1,000 to 20,000 borrower portfolios
- WhatsApp/SMS reminder integration built in
- A micro alternative, not an enterprise platform
Everything a collection team needs, in one place
From the first customer visit to the final receipt, tough-loan gives field agents and collection managers a single, structured workflow built for NBFCs, local finance companies, and MFIs.
Customer Management
Field agents get a full customer list with contact details and outstanding balances, so every visit starts with the right context.
Field AgentGPS Tracking
Borrower location is captured for each account, helping agents plan routes and confirm visits in the field.
Field AgentPayment History
Review and filter a borrower’s full payment history before a collection call, so agents show up prepared.
Field AgentPromises to Pay
Record and track promises to pay made in the field, keeping a clear commitment log for every account.
Field AgentReminders (WhatsApp/SMS)
Automate WhatsApp and SMS reminders to borrowers ahead of due dates, reducing missed payments without manual follow-up.
Field AgentDigital Receipts
Generate and deliver digital receipts the moment a collection is recorded, giving borrowers an instant paper trail.
Field AgentPortfolio Analytics
Managers track collection rate and overdue exposure across the portfolio, turning field activity into oversight.
Collection Manager
COLLECTION SOFTWARE FOR THE PEOPLE ALREADY GIVING LOANS
tough-loan is a loan-collection operating system built for small NBFCs, local finance companies, and MFIs running 1,000–20,000 borrowers. Field agents get customer lists, GPS location, payment history, promises to pay, WhatsApp/SMS reminders, and digital receipts. Managers get a live portfolio dashboard to run the whole collection operation.
Software For The People Already Giving Loans
tough-loan is collection infrastructure, not a lending product — one system for managers, agents, and the finance companies that run them.
Collection Managers
See the whole portfolio at a glance and know where every field agent stands, every day.
- Portfolio oversight across due, collected, and overdue amounts
- Performance analytics and collection-rate tracking
- Team management across every field agent route
Field Agents
Everything needed on the ground: who to visit, where they are, and proof once collected.
- Customer list with GPS/location for every borrower
- Payment history and promises to pay in one view
- WhatsApp/SMS reminders and digital receipts on the spot
NBFCs & MFIs
Built for the finance companies already lending, sized for 1,000 to 20,000 borrowers.
- Scales cleanly from 1,000 to 20,000 borrower portfolios
- WhatsApp/SMS reminder integration built in
- A micro alternative, not an enterprise platform
Everything a collection team needs, in one place
From the first customer visit to the final receipt, tough-loan gives field agents and collection managers a single, structured workflow built for NBFCs, local finance companies, and MFIs.
Customer Management
Field agents get a full customer list with contact details and outstanding balances, so every visit starts with the right context.
Field AgentGPS Tracking
Borrower location is captured for each account, helping agents plan routes and confirm visits in the field.
Field AgentPayment History
Review and filter a borrower’s full payment history before a collection call, so agents show up prepared.
Field AgentPromises to Pay
Record and track promises to pay made in the field, keeping a clear commitment log for every account.
Field AgentReminders (WhatsApp/SMS)
Automate WhatsApp and SMS reminders to borrowers ahead of due dates, reducing missed payments without manual follow-up.
Field AgentDigital Receipts
Generate and deliver digital receipts the moment a collection is recorded, giving borrowers an instant paper trail.
Field AgentPortfolio Analytics
Managers track collection rate and overdue exposure across the portfolio, turning field activity into oversight.
Collection Manager
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