Catch business stress before the EMI does.
A business shows stress months before its EMI does: a GST return not filed, a buyer not paying, inflows below its own baseline. AI agents read those signals on every account and prepare the next action. Nothing moves until your policy clears it and a named approver signs.
30 minutes with the product team. No generic demo.
Business and MSME loans, on a platform built by the team behind Apache Fineract, the world's #1 open-source lending core.
Signals, not scores. The agent prepares the step; your policy and a named approver decide what moves; the loan record posts it.
- Unsecured business term loans
- Working-capital lines (CC / OD)
- Secured MSME loans
- Equipment and machinery loans
Every flagged account arrives with the business behind it.
A missed EMI on a business loan is the last signal, not the first. The AI agent reads filings, inflows, buyers and the promoter's bureau line against the account's own baseline, so a seasonal dip and a failing business do not get the same call.
Where the signals come from: the bureau, on your subscription and your refresh rule; mandate outcomes and inflows, through the repayment account and the payment rails; GST returns and receivable ageings, as the borrower shares them. Nothing is scraped and nothing is scored in the dark. See the integrations.
Two accounts lose the same share of inflows in the same three months.
| What the agent reads | A trader in its quiet season | A business in trouble |
|---|---|---|
| Inflows against own baseline | Down, inside the band this account draws every year at this time. | Down against a band with no season in it, for a third month. |
| GST filings | On time, as for two years. | The latest return not filed; the one before it late. |
| Buyers | Top buyer within terms; the 90+ bucket flat. | Top buyer past terms; the 90+ bucket growing. |
| The promoter's own line | Unchanged. | A new lender since sanction, and a card slipping. |
| What the agent stages | Nothing. The account stays on watch, reason recorded. | A call in trading hours and a payment plan, reason attached, awaiting a named signer. |
A trader in its quiet season
- Inflows against own baseline
- Down, inside the band this account draws every year at this time.
- GST filings
- On time, as for two years.
- Buyers
- Top buyer within terms; the 90+ bucket flat.
- The promoter's own line
- Unchanged.
- What the agent stages
- Nothing. The account stays on watch, reason recorded.
A business in trouble
- Inflows against own baseline
- Down against a band with no season in it, for a third month.
- GST filings
- The latest return not filed; the one before it late.
- Buyers
- Top buyer past terms; the 90+ bucket growing.
- The promoter's own line
- A new lender since sanction, and a card slipping.
- What the agent stages
- A call in trading hours and a payment plan, reason attached, awaiting a named signer.
Working-capital lines run on clocks the EMI never sees.
A term loan is late on its due date. A cash-credit or overdraft line goes bad on paperwork. Three clocks under RBI's IRACP norms, each ending in NPA.
- Limit renewal180 days from falling due
Lokta raises the renewal, with the days left.
- Stock statement3 months stale, then 90 days irregular
Lokta asks for the statement before drawings turn irregular.
- Credit cover90 days of credits below the interest debited
Lokta flags the line the month cover slips, not the quarter after.
What else Lokta runs on lines, and on term loans
- Dropline limits by fixed step, stepped, or after a moratorium; tentative and actual schedule side by side
- Non-utilisation and penal charges as separate lines, never capitalised
- Back-dated entries re-derive the schedule and the classification
- Top-up on the same collateral as a linked loan, exposure summed
Keep every restructure inside policy, and its evidence beside it.
On a business book the cure is often a restructure, which changes the schedule, the classification and the provisioning. The agent may prepare one, evidence attached. A named approver signs it, and every step is written as it happens.
- Step 1The AI agent stagesA tenor extension, moratorium or line reset, with the SMA history and cash-flow evidence attached.
- Step 2Policy resolvesTested against the declared restructuring and settlement bands. Outside them, the workflow stops and escalates.
- Step 3A named approver signsMaker-checker on anything that changes money, schedule or classification. No model posts to the ledger.
- Step 4The loan record postsThe new schedule or line posts deterministically to the loan record.
- Step 5Classification followsSMA stage and provisioning follow the rules; every step written with actor, evidence and reversibility.
Contact in the borrower's trading hours and language, to the named contact, every attempt logged with its outcome: run as a rule at every step.
30 minutes with the product team. No generic demo.
Everything you expect from a business-loan LMS, before any of the above.
A buyer asks two things of this page. Can Lokta run an MSME loan? Can Lokta tell you when the business is deteriorating? Most systems answer the first. This page answers both: Jobs 1 and 2 answer the second, and these six answer the first.
- Term loans and tranchesEMI schedules with tranche disbursement, broken-period interest and charges netted at disbursal.
- Working-capital linesInterest accrued daily on utilisation, billed on the product's cycle; overline flagged the day it happens, limit released on receipt.
- Co-applicants and guarantorsReceipts appropriated across co-applicants in the product's waterfall; guarantor exposure on the record.
- Reschedule and moratoriumReschedule, reverse or cancel on the record; moratorium and restructure re-amortised.
- Prepayment and foreclosurePrepayment and part-payment; slab-based foreclosure charges by product.
- Classification and accountingDPD, SMA and IRAC stages and provisioning derived from the record; double-entry posting to mapped GL heads; the audit trail behind every change.
Five things decide whether a business book keeps its margin.
Every figure below is the market's, not ours. Each one ends where Lokta acts on it.
- 01
Segment stress
7.2% on unsecured business loans to entities, against 1.8% for the commercial book, Mar 2026
The commercial book has read 1.8% for three years; the unsecured entity segment is up 274 bps in the same period, and the average hides it.
So Lokta watches each cohort as itself, never as a share of an average.
TransUnion CIBIL and SIDBI, MSME Pulse, Jul 2026 - 02
Stacking after sanction
+70% total exposure a year after a small-ticket business loan, June 2023 cohort
The file is complete on the day of sanction; a year later the borrower has added lenders you never underwrote.
So Lokta reads the live bureau line and ranks stacking borrowers ahead of DPD.
CRIF High Mark and DLAI, Jan 2025 - 03
The paperwork NPA
180 days without renewal makes the line NPA; a stale statement or thin credits, 90 days
A working-capital line can turn NPA with money still in it: a limit not renewed, a stock statement gone stale, credits below the interest.
So Lokta watches renewal date, statement age and credit cover on every line.
RBI, IRACP norms - 04
The guarantee claim
₹3,101 cr settled on 1.55 lakh CGTMSE claims in FY25
The guarantee pays only if the file is clean, and every published rejection ground is a process step: fee unpaid, NPA marked late, legal action after the claim falls due.
So Lokta writes each step with its evidence; the claim file is the record.
CGTMSE, Annual Report 2024-25 - 05
Cost to run the book
4.8% to 9.5% of assets in operating cost across seven MSME lenders, FY24
A small-business book is collected by people, and every branch added adds the headcount again.
So Lokta monitors every account; managers work the ten that moved, not the thousand.
CRISIL MI&A; Lokta research
Not ready for a call?
One platform, configured for business and MSME loans.
The same loan management system, servicing agents and lending ontology run every book; on this one the policy and the workflow are shaped for a borrower who is a business. How control works, where it runs, and how it differs from a record-keeping LMS are on the Solutions page, said once.
What lenders ask first.
What does Lokta do on a business or MSME book after disbursal?
It monitors the business behind the EMI: GST filings, cash flow, receivable ageing where shared, the promoter's bureau line. Agents prepare the next action while the account is current; your policy resolves it, a named approver signs. Underwriting and guarantee cover stay with you.
Can an agent restructure a business loan?
It can prepare one: a tenor extension, moratorium or line reset inside the bands you declare, with the SMA history and cash-flow evidence attached. A named approver signs it; the classification follows RBI's rules. Outside the band the workflow stops and escalates.
Do you support daily or weekly repayment products?
Yes. Daily and weekly schedules with holiday handling, receipts appropriated in the order your product sets, DPD counted daily and classification following it, bounce charges by product. Fixed daily retention against a monthly EMI, or variable retention against a bullet, run on the same engine.
Do we have to replace our LOS, our underwriting or our LMS?
Not your LOS and not your credit decisions: Lokta runs the book after approval and takes the sanctioned terms as given. Not your LMS either, unless you want to. The servicing agents run on the core you already have, connecting to it for borrower and loan context and staging work into it; a book can move onto Lokta's own loan management system when you are ready, one book at a time.
What happens after we show you our book?
Thirty minutes with the product team on your own accounts: the sectors you lend to, the mix of term loans and working-capital lines, how GST and bank cash-flow signals reach you today, and which stressed accounts absorb the most effort. Inside a business day you get a concrete next step, or the reason there is not one yet.
Bring us one difficult workflow.
Your sectors, your mix of term loans and lines, how you watch GST and cash flow, and where the stressed accounts cost most effort. You get a straight read on fit and direct access to the founding team.