LEDGER

BY ECOLOANS

Ask Q1

ADMIN · SETTINGS

THEME

⏻

COLLECTION OUTSTANDING

ACTIVE CLIENTS

OVERDUE

LOADING THE BOOK

LOG PETTY CASH

BULK UPLOAD

NEW LOAN

MARKET NEWS

AI BRIEF · {{ newsBrief }}

WORLD TODAY · THE ECONOMIST

EXPECTED RETURN

{{ kpiOpenCount }} OPEN

Ledger →

{{ s.pct }}%

‹

›

No collections due this month.

REF NUMBER

CUSTOMER

LENT

RETURN

STATUS

LOAN DUE

ACTION

⋮

CLIENTS {{ clientCount }} ON BOOK

ADD CLIENT

REF

CUSTOMER

ID NUMBER

ADDED

OFFICER

ID NUMBERS MASKED — FULL PII VISIBLE ONLY WITH ELEVATED ACCESS

CLIENTS

{{ cv.ref }}Added {{ cv.added }}Officer · {{ cv.employee }}

Call

SMS

Contract

Full loan form

Quick loan

OPEN LOANS

OUTSTANDING

TOTAL BORROWED

CREDIT SCORE

LOANS · {{ cvLoanCount }}

Tap a status to update it

LOAN

PRINCIPAL

INSTALMENT

NEXT DUE

No loans on record yet. Use Quick loan to issue one.

RECENT ACTIVITY

Nothing logged for this client yet.

Edit

Cancel

Save

EMPLOYEES

INVITE EMPLOYEE

NAME

BOOK VALUE

ROLE

ADDED

STATUS

EMPLOYEES SET THEIR OWN PASSWORD VIA EMAIL INVITE — ADMIN-SET PASSWORDS REMOVED

LOGBOOK GLOBAL AUDIT TRAIL

FROM

REF

CUSTOMER

AMOUNT

CHANGE

DATE

COMMENT

LEDGER LOCKED

Enter the 6-digit ledger passcode.
Cancelling returns to the dashboard — no bypass.

INCORRECT PASSCODE

CANCEL

UNLOCK

PROTOTYPE CODE: 246810

LEDGER ADMINISTRATION · UNLOCKED

LOCK

CASH

What the business has in the bank

BANK BALANCE

MONTH-END CASH · FORECAST

RECEIVABLES

What clients still owe us

COLLECTED THIS MONTH

STILL TO COLLECT

TO RECONCILE

INCOME, EXPENSES & LOSSES

What we earned and what went out

MONTHLY LEDGER

OFFICE EXPENSES · MONTHLY

PETTY CASH · OUTSTANDING

WRITTEN OFF

ADMINISTRATION

EMPLOYEES

ADD EMPLOYEE

CLIENT ACCESS

AUDIT LOGBOOK

SETTINGS & CLOUD

INTEGRATIONS

API & WEBHOOKS

Q1 CONNECTED APPS

MONTHLY LEDGER

BOOK VALUE

CURRENT BOOK

PROJECTED RETURN

WRITTEN OFF

PRINCIPAL LOANED

MONTH

ISSUED

PAID

START BOOK

END BOOK

CHANGE

View More →

{{ a.ref }} · {{ a.master }}{{ a.dueAmountFmt }}

No agreements due on this day.

API & WEBHOOKS

Connect your website to LEDGER. Applications sent through the API or the embed form arrive in this workspace's Applications inbox.

SECRET API KEYS

+ NEW KEY

For your server only. Never put a secret key in website code.

Copy this key now. It won't be shown again.

COPY KEY

DONE

KEY NAME

PERMISSIONS

CREATE KEY

CANCEL

REVOKE

REVOKED

No keys yet for this environment.

WEBHOOKS

+ ADD ENDPOINT

LEDGER sends a signed POST to your URL when these events happen.

ENDPOINT URL

EVENTS

ADD ENDPOINT

CANCEL

TEST

REMOVE

No endpoints yet.

SIGNING SECRET

COPY

EMBED APPLICATION FORM

Paste this on any page of your website. The publishable key can only submit applications, and only from the domains listed below.

{{ apiEmbed }}

COPY SNIPPET

SEND TEST APPLICATION

ALLOWED DOMAINS

{{ d.name }}✕

No domains yet. The form won't load until you add one.

ADD

REST API

SUBMIT AN APPLICATION

{{ apiCurl }}

COPY REQUEST

RECENT ACTIVITY

No API calls or webhook deliveries yet.

PETTY CASH OFFICE EXPENSES · {{ pettyMonthTotal }} THIS MONTH

LOG AN EXPENSE

STAFF MEMBER

LOG EXPENSE

EXPENSES BY STAFF · {{ pcMonthLabel }}

SHOW ALL ✕

No expenses recorded yet.

UPDATE

APPLICATIONS {{ appNewCount }} NEW · {{ appTotal }} TOTAL

MOBILE APP · LIVE FEED

Loan applications submitted from the borrower mobile app land here. Review, run affordability, then approve into a loan or decline — every decision is logged.

APPLICANT

AMOUNT

PURPOSE / TERM

SUBMITTED

STATUS

{{ a.purpose }} · {{ a.termFmt }}

No applications in this view.

REQUESTED

EST. INSTALLMENT

AFFORDABILITY

APPLICANT

EMPLOYMENT & INCOME

ATTACHED DOCUMENTS

Request more info

Decline

← LOANS

ISSUE LOAN

BULK UPLOAD

CLIENT

ASSIGNED EMPLOYEE

LOAN AMOUNT (R)

RETURN AFTER 35% INTEREST

REPAYMENT TERM

LOAN PURPOSE

AFFORDABILITY ASSESSMENT

SALARY DATE

MONTHLY EXPENSES (R)

CREDIT CARD DEBT (R)

EXISTING LOANS (R)

RENT / BOND (R)

GROCERIES / FAMILY SUPPORT (R)

DUE DATE

COMMENT

RECOMMENDED MAX

NET INCOME

OBLIGATIONS

THIS REPAYMENT

DISPOSABLE

DEBT-TO-INCOME · {{ afDti }}SAFE ≤ 55%

TERM: {{ nfTermLabel }} · OBLIGATIONS: {{ nfObligations }}

← CLIENTS

ADD CLIENT

Autofill from documents CLAUDE

Upload an ID, payslip or bank statement — Claude reads the details and fills the form.

✓ {{ docFieldCount }} FIELDS AUTOFILLED · REVIEW HIGHLIGHTED VALUES BEFORE SAVING

BANKING DETAILS ARE ENCRYPTED AT REST AND MASKED IN ALL LIST VIEWS

MASTER CREDIT AGREEMENT {{ contractNo }}

AUTO-GENERATED

SIGN ON THE PAD BELOW

TABLET MODE

CLEAR

ASSIGN AN OFFICER TO THIS CLIENT

BACK

SETTINGS

RESET DEMO DATA

DATA & MVP HANDOFF

Everything — clients, loans, employees, contracts, logbook, petty cash and settings — saves to this device automatically. Export the full dataset as JSON to seed the production MVP build, or import a saved snapshot.

Clients

Loans

Employees

EXPORT DATA (JSON)

IMPORT

PROFILE

{{ prof.role }} · {{ prof.email }}

REMOVE

FULL NAME

MOBILE

JOB TITLE

STAFF NUMBER

ROLE

SAVE PROFILE

PREFERENCES

Appearance

Switch between dark and light themes

PII masking

IDs, accounts & salaries masked in list views by default

CONTRACT BUILDER

USED FOR EVERY MASTER AGREEMENT

Variables: {org} {client} {id} {rate} — filled automatically per client.

PREAMBLE

CLAUSES

+ Add clause

RESET TO DEFAULT

SAVES AUTOMATICALLY

TWILIO VOICE & SMS

Twilio

Programmable Voice & Messaging

Account SID{{ twSid }}

Sender number{{ twFrom }}

Voice minutes · Jul

SMS sent · Jul

Test call

Test SMS

AI DOCUMENT READER

Reads uploaded IDs, payslips & bank statements to autofill client onboarding. PDFs are read on-device automatically — no key needed. Connect Claude or OpenAI to also read photos & scanned images.

Claude (Anthropic)

OpenAI

CLOUD STORAGE

Supabase — hosted Postgres

PROJECT URL

ANON PUBLIC KEY

↑ Push book now

↓ Pull from cloud

Setup SQL

{{ sbSql }}

Clients

Loans

Contracts

SECURITY & SESSION

Password

We email you a secure reset link — no password is stored here

Send reset link

This session

Signed in · Johannesburg · 19 Jul 2026

SIGN OUT

ACTIVITY LOG

Full logbook →

{{ setLogCount }} recorded on this device.

Nothing logged yet.

PDF

DOWNLOAD / PRINT

‹

›

SIGNATURE TABLET · MASTER CREDIT AGREEMENT

{{ sigSignerName }} — please sign below

CLEAR

CANCEL

ACCEPT SIGNATURE ✓

TWILIO VOICE · {{ callStatus }}

END CALL

{{ attnCount }} accounts need attention

Overdue or due today — attend or acknowledge to continue.

{{ a.ref }} · {{ a.note }} · {{ a.amountFmt }}

View

Attend

Acknowledge all

NEW

{{ m.actLabel }} →

Q1 is thinking…

Call {{ ccName }}?

{{ ccRef }} · CALL WILL BE LOGGED

Cancel

Call now

Loan issued

{{ inN.ref }} · {{ inN.name }}

Loan amount

Return after 35%

Due date

View client

Done

LOAN HISTORY {{ mLoan.ref }}

AMOUNT

DUE AMOUNT

STATUS

Call

Text

SET STATUS

SMS TO {{ mLoanPhone }}

Send

Insert reminder

CLIENT'S OTHER LOANS

No other loans on record

LOAN LOGBOOK

{{ a.type }} {{ a.date }} · {{ a.by }}

ID{{ mHClient.idMasked }}

Contact{{ mHClient.phone }}

City{{ mHClient.city }}

Employer{{ mHClient.employer }}

Officer{{ mHClient.employee }}

Credit score{{ mHClient.score }}

Loan term{{ mHClient.term }}

REPAYMENT PERFORMANCE{{ mHClient.perfLabel }} · {{ mHClient.perfPct }}

{{ mHClient.loanCount }} loans{{ mHClient.paidCount }} paid{{ mHClient.overdueCount }} overdue

PAYMENT DATE{{ mHClient.dueFull }}

View full client info

✎ EDIT

{{ mCli.ref }} · ADDED {{ mCli.added }} · OFFICER: {{ mCli.employee }}

PERSONAL

ID {{ mCli.idMasked }}
Contact {{ mCli.phone }}
City {{ mCli.city }}

EMPLOYMENT

Type {{ mCli.employment }}
Employer {{ mCli.employer }}
Net salary {{ mCli.salaryMasked }}

BANKING

Bank {{ mCli.bank }}
Account {{ mCli.accountMasked }}

LOAN INFO

Open loans {{ mCli.openCount }}
Outstanding {{ mCli.outstandingFmt }}
Credit score {{ mCli.score }}

EDIT CLIENT & ACCOUNT INFO

FULL NAME

ID NUMBER

CONTACT

CITY

EMPLOYMENT TYPE

EMPLOYER

NET SALARY (R / MONTH)

ASSIGNED OFFICER

BANK

ACCOUNT NUMBER

SAVE CHANGES

CANCEL

ALL LOANS · {{ mCliLoanCount }}

No loans on record

TO COLLECT

PAYMENTS

CLIENT

REF

RETURN DUE

Open the loan book

Dismiss

MONTH SUMMARY

GIVEN OUT

COLLECTED

GROSS PROFIT

OFFICE EXPENSES

NET PROFIT · COLLECTED − PRINCIPAL PORTION − EXPENSES

LOANS GIVEN OUT

No loans issued this month.

COLLECTED · PAID

Nothing marked paid for this month.

OFFICE EXPENSES PAID

OFFICE EXPENSES · MONTHLY

PAID THIS MONTH ({{ exMonth }}) · {{ exPaidFmt }}

Recurring costs that come out every month. Marking one paid deducts it from the bank balance for that month.

Add expense

No monthly expenses yet.

CLIENT ACCESS

{{ caBlocked }} blocked of {{ caTotal }}

A blocked client can't be issued a new loan. Their existing loans and history are unchanged.

BANK BALANCE

The balance runs on its own from the last confirmed figure: loans marked paid add their collected amount, new loans logged here deduct their principal. Confirm against your bank statement to reset the starting point.

{{ t.ref }} · {{ t.label }}

NEW BALANCE (R)

NOTE

Save balance

Matches bank — confirm

RECENT UPDATES

NOTIFICATIONS

TO COLLECT

DUE TODAY

FLAGGED · NOT UPDATED

Nothing due today and every past collection has been updated.

UPDATE STATUS {{ mLoan.ref }}

FUTURE PENDING · NOT AFFECTED

{{ f.due }} · {{ f.inst }}{{ f.amt }}

IMPORT BANK REPORT

NUPAY TRANSACTION REPORT · XLSX OR CSV · MATCHED BY MANDATE ID

Choose transaction report

Successful debits mark that month's instalment paid. Failed debits mark the loan overdue. Mandates not on the book can be added as new loans. Book amounts are never changed.

Choose another file

✓

Due {{ r.due }}Bank: {{ r.res }}

Cancel

Q1 CONNECTED APPS

On every question Q1 reads each switched-on app's data link and answers from it. Actions are only run after you approve them in the chat.

API BASE URL

DATA PATH Q1 READS (GET)

API KEY / TOKEN

PROXY URL (OPTIONAL)

Test connection

Remove

{{ a.msg }}

+ Add another app

Done

BULK STATUS UPDATE

DUE OR PAST COLLECTIONS NOT YET MARKED PAID

Import bank report

Nothing needs updating. Every past collection has a status.

SET STATUS TO

✓

{{ r.ref }}Due {{ r.date }}{{ r.inst }}Now: {{ r.cur }}

Cancel

EDIT LOAN {{ mLoan.ref }}

PRINCIPAL (R)

RETURN RATE (%)

ISSUED DATE

DUE DATE

STATUS

TERM (MONTHS)

PURPOSE

QUICK ADJUST

Top up principal

+ ADD

Date changes are recorded in the Logbook (old → new) for admin audit.

TOTAL REPAYABLE

MONTHLY INSTALLMENT

CANCEL

SAVE CHANGES

DELETE {{ mLoan.ref }}?

This removes the loan from the book. The deletion is recorded in the Logbook against your name and cannot be undone.

MANAGER PIN REQUIRED

CANCEL

DELETE LOAN

INVITE EMPLOYEE

NO PASSWORD FIELD — THE EMPLOYEE SETS THEIR OWN VIA A SECURE INVITE LINK

SEND INVITE

EDIT EMPLOYEE

FULL NAME

ROLE

STATUS

BOOK VALUE (R)

PASSWORDS ARE NEVER SET HERE — USE “RESEND INVITE” TO LET THE EMPLOYEE SET THEIR OWN

SAVE CHANGES

RESEND INVITE

REMOVE EMPLOYEE

QUICK LOAN

{{ qlClient }} · {{ qlRef }} · REUSING MASTER AGREEMENT {{ qlMaster }}

All banking, employment & KYC details stay as recorded — you only set the new amount and debit date. Return of 35% and the signed contract carry over automatically.

TERM (MONTHS)

LOAN AMOUNT (R)

DEBIT / DUE DATE

Return due at 35%

ISSUE LOAN

MANAGE

Overview

Loans{{ hubLoanCount }}

Personal details

Employment

Account & banking

Income & affordability

Activity

ACTIONS

Quick loan

Call client

Send SMS

Contract

Open full workspace

Total return

Collected

Still to collect

{{ hubSum.pct }} repaid

{{ hubSum.lentLine }} · {{ hubSum.since }}

Client performance

Mark {{ hubTlNextRef }} paid

★

due instalments paid

missed or late

with us

NEXT COLLECTION

RETURN DATE

LOANS & WHAT'S DUE · {{ hubLoanCount }}

Edit client info

+ New loan

Edit loan

+ Top up

Change status

Statement

History

No loans yet — issue one with + Quick Loan.

AFFORDABILITY

0%30% SAFE45% LIMIT100%

Edit {{ hubTabLower }}

Cancel

Save changes

Nothing logged for this client yet.

BULK UPLOAD LOANS

DROP ANY CSV — COLUMNS ARE DETECTED AUTOMATICALLY

CHOOSE FILE

LOAD SAMPLE

CLEAR

{{ bulkFileName }} · {{ bulkLineCount }} LINES

CANCEL

SCAN & EXTRACT LOANS

Reading {{ bulkFileLabel }}…

{{ bulkTotalLabel }} from {{ bulkFileLabel }}. How should they be applied to the book?

AMEND THE BOOK

Add these rows alongside the {{ bulkModeCount }} loans already on the book. Existing loans stay as they are; you choose per row how to handle clients who already hold an active loan.

REPLACE THE ENTIRE BOOK · PIN REQUIRED

Clear all {{ bulkModeCount }} existing loans and keep only what is in this upload. Clients, payments and the audit trail are untouched.

Back

AUTHORISE FULL REPLACEMENT

Enter the manager PIN to clear all {{ bulkModeCount }} existing loans. This cannot be undone from the console.

Authorise and continue

Cancel

DETECTED COLUMNS

{{ bulkOkCount }} READY · {{ bulkTotalFmt }}

{{ bulkErrCount }} NEED ATTENTION

Every uploaded row is listed. All fields are editable before you import.

CHANGE

APPLY TO ALL {{ bulkDupCount }} ROWS

NEW LOAN

OVERWRITE

MERGE

CLIENT

AMOUNT (R)

TERM

DUE

PURPOSE

CONF

+ ADD “{{ r.clientRaw }}” AS NEW CLIENT

KYC stays incomplete until you fill in ID and bank details

NEW LOAN

OVERWRITE

MERGE

BACK TO FILE

MASTER CREDIT AGREEMENT {{ cdoc.no }}

MASTER CREDIT AGREEMENT · {{ cdoc.no }}

CLIENT

ID NUMBER

DEBIT ACCOUNT

SIGNED ON

CLIENT SIGNATURE

NOT YET SIGNED

VIEW PDF

DOWNLOAD PDF

SEND TO CLIENT

TRANSACTION CONTRACT {{ mLoan.ref }}

↺ RETURNING CLIENT

Reusing signed master agreement {{ ctMasterNo }} ({{ ctSignedOn }}). No re-signing needed — only amounts and dates change below.

NO SIGNED MASTER AGREEMENT

This client has no master credit agreement on file. Add them through onboarding to capture a signature before issuing contracts.

CLIENT

CONTRACT NO

PRINCIPAL

DUE AMOUNT

DUE DATE

SIGNATURE

RE-SIGN

—

VIEW FULL MASTER CONTRACT ›

{{ ctSavedCount }} TRANSACTION CONTRACTS SAVED FOR THIS CLIENT · ALL RETAINED IN THE VAULT

LOAN OPTIONS

View loan history

Edit loan

Update status

Settlement letterQR

Delete loan

CLIENT OPTIONS

Client info

Contract