DSA networks
10 to 500 agents sourcing loans for one or more lenders. Agent app, ops dashboard, and lender connectivity in one platform.
Run an agent-led
lending operation.
Properly.
PaisaNow turns a network of agents, DSAs, and field officers into a digital lending operation. Mobile-first apps for the agent. Real-time visibility for the operations team. Compliance built in. Multi-product from day one.
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Field-led distribution that works without becoming surveillance — the agent stays the hero.
Four kinds of agent-led operations.
You are running, or starting, a network that moves loans through people. PaisaNow fits four shapes — anything that involves agents in cities and towns sourcing customers, walking them through the application, and staying with them through repayment.
BC networks
Agents operating under a BC contract with a sponsor bank or NBFC. BC operating model, field workflow, and sponsor reporting.
Agent-led lending startups
Fintech NBFCs that source through agents in addition to digital channels.
NBFCs adding an agent layer
Larger institutions that want to extend reach through agents without building the operating system themselves.
Eight components.
One stack.
From the first lead to the last EMI — the field operation, the customer experience, and the back office on one rail.
01
Agent app
Mobile-first. Offline-capable. Multilingual (English, Hindi, 8 regional). Designed for a budget Android phone.
02
Customer onboarding
Guided flow with KYC, document collection and verification. The agent does not figure out which document goes where.
03
Application tracking
Live status of every customer the agent has introduced. Customer sees status updates over WhatsApp.
04
Multi-lender connectivity
Agents sell from a panel of lenders without learning each lender's separate app. PaisaNow handles the connectivity.
05
Multi-product
Loans, insurance (IRDAI POSP), credit cards, mutual funds, BC engagements — from one agent app.
06
Field productivity (KYEHR)
Attendance, route discipline, customer-visit tracking, productivity analytics — for coaching, not surveillance.
07
Payouts
Per-agent commission tracking with configurable structures (per-loan, percentage, slab, fixed-plus-variable).
08
Compliance
Disclosure management, audit logs, fair-practice templates, grievance routing — per RBI DLG and SRO regime.
Coaching. Not surveillance.
Designed for the device the agent actually carries.
A budget Android phone. Patchy reception. Eight languages. PaisaNow ships against that reality.
Five things people ask first.
01
Who runs PaisaNow today?
Kapiital Lending Services Pvt Ltd, the sister entity of Kapiital Systems, is the largest production user. It operates as a regulated DSA, Business Correspondent, and insurance distributor.
02
Is PaisaNow a lender?
No. PaisaNow is software. Lending decisions and capital sit with the lender on the panel. PaisaNow runs the agent operation between borrower and lender.
03
Does it work offline?
Yes. The app works without an active connection. Applications, document uploads, and customer interactions queue locally and sync when reception comes back.
04
What does the agent see vs the operations team?
The agent sees their own pipeline, productivity, and earnings. The operations team sees the network — agent-level activity, branch-level conversion, lender-level performance, product-level mix. Outliers are surfaced both ways.
05
How does compliance work?
Disclosure management, audit logs, fair-practice templates, and grievance routing are all built in per RBI Digital Lending Guidelines and the SRO regime under FACE.
A 30-minute demo with your DSAs, BCs, or agents.
No slides. We map your sourcing flow, walk through the agent app on a real phone, and answer the hardest question your ops team has.