Loan Management · Sourcing partners

Run every sourcing partner from one governed record.

Connect partner diligence, effective-dated terms, loan attribution, book performance and fee approvals to the live loan book. The relationship and the economics stay on one record.

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Lokta Loan Management sourcing partner record screen, showing partner identity, status and attributed-book measures for a demonstration lender, Suvidha Fincorp Services. — The partner record in Loan Management, shown with demonstration data. Identity, status, attributed-book measures and the path to terms, documents, loans, invoices and history sit on one record.

What a sourcing partner is

A sourcing partner, also called a DSA (direct selling agent), channel partner or loan sourcing agent, originates loans for a lender under an agreed commercial arrangement. Lokta's Sourcing partners module keeps that partner's diligence, effective-dated terms, attributed loans, book performance and fee approvals on one governed record, from onboarding to exit.

Spreadsheets break when the book grows.

A governed partner record keeps every loan, term and fee tied to the live book.

Relationship record

The partner record survives the spreadsheet.

Legal identity, contacts, diligence evidence, agreement dates and operated digital lending apps sit on the same relationship record. Dated status changes make it clear who can source today.

Track the partner from onboarding through exit on one roster
Keep diligence evidence and sign-off next to the partner record
Record the grievance officer and operated digital lending apps (DLAs) on the same record

Terms at booking

Every loan keeps the terms it was booked under.

An attributed loan stores the partner and arrangement version that applied on its booking date. A later commercial change does not rewrite the past.

Store each commercial arrangement as an effective-dated version
Capture the services and fee model as structured data, not a document
Log every attribution correction with an actor and a footprint

Book performance

Read the partner through the book.

Sourcing volume is only the opening number. The partner view keeps attributed POS, DPD buckets, vintage and sourced-versus-direct behaviour close to the relationship.

See loan book concentration by sourcing partner
Compare sourced and direct-channel cohorts on POS, DPD and vintage
Flag a partner book that looks cleaner than it should

Fee operations

Fees you can reproduce.

The fee begins with the booked terms and attributed loans, not a spreadsheet assembled at month-end. Accrual, invoice, approval, payment and GL reference stay on the same trail.

Support disbursal, per-loan, trail and collection fee models
Show gross, tax and net payable on every invoice
Apply maker-checker approval at each stage of the invoice cycle

Review record

One record for every review.

Credit, finance, operations and compliance can begin from the same record, then drill into documents, attributed loans, invoices and change history.

Keep disclosure roster fields on the same partner record
Export attribution and fee registers for audit or regulatory review
Track change history with actor and timestamp on every edit

Frequently asked questions

What is a sourcing partner in loan management?

A sourcing partner is a third party, such as a DSA or channel partner, that originates loans for a lender under a commercial agreement. Lokta tracks that partner's identity, terms, attributed loans, fees and performance on one record.

What happens to a loan when a sourcing partner's commercial terms change?

The loan keeps the arrangement version that was active on its booking date. A later change to fees or terms does not rewrite loans that are already booked.

Can lenders compare sourced loans against direct-channel loans?

Yes. The book performance view compares attributed POS, DPD buckets and vintage for sourced loans against direct-channel cohorts, so you can see where a partner's book is under- or over-performing.

How are sourcing partner fees calculated and approved?

Fees are generated from the booked terms and attributed loans, not a manual spreadsheet. Disbursal, per-loan, trail and collection fee models run through accrual, invoicing, maker-checker approval, payment and GL reference on the same record.

Does Lokta track disclosure details like grievance officer and DLA information?

Yes. Grievance officer and operated digital lending app (DLA) details sit on the same partner record, alongside other disclosure roster fields, and can be exported for audit or regulatory review.

One partner record. Every loan, term and fee stays connected to the live book.

Bring one sourcing channel and its current partner MIS. We will map the record, the terms and the review path.

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