Money Lending Software for Small Businesses in India

SthirApp is a digital money lending platform designed for Indian MSMEs, jewellers, and pawn brokers. Manage your lending portfolio, track repayments, automate reminders, and grow your business securely — all with one app.

What is Money Lending Software?

Money lending software is a digital tool for small lenders to manage their loan portfolio. It stores borrower profiles, loan details, payment schedules, and repayment history — replacing manual accounting books with a searchable, secure system.

Whether you're a jeweller offering gold-backed loans or a small money lender, this software helps you automate interest calculations, send payment reminders, and maintain regulatory compliance without costly accounting staff.

Why Choose Digital Money Lending Software?

✓Save 2+ hours daily on manual accounting
✓Eliminate lost or damaged loan documents
✓Instant borrower lookup — zero paper shuffling
✓Automatic interest calculation and reporting
✓Send payment reminders via WhatsApp instantly
✓Track overdue loans in real-time
✓Scale your business without hiring more staff
✓Pass RBI audits with complete audit trails

Built for Indian Lenders

SthirApp is specialized for Indian lending businesses:

✓ Supports Hindi and English languages
✓ Understands Indian lending practices (girvi, collateral-based loans)
✓ Works offline in areas with poor connectivity
✓ WhatsApp integration for reminders (most popular platform in India)
✓ Support in Indian time zones
✓ Free to use — no subscription fees

SthirApp Features for Money Lenders

Customer Profiles

Store borrower name, phone, address, and complete loan history.

Loan Recording

Log loan amount, interest rate, loan date, and collateral details instantly.

Interest Automation

Configure your interest rate (e.g., 5% per month). SthirApp calculates it daily.

Payment Tracking

Record every repayment (full or partial) with date and amount.

WhatsApp Reminders

Send payment due reminders and collection notifications automatically.

Overdue Alerts

Get notifications for loans past due. Take action before interest spirals.

Daily Dashboard

See total portfolio, pending collections, and overdue loans at a glance.

Secure Backup

All data backed up to cloud. Access from any phone, any time.

Grow Your Lending Business Confidently

Start managing your loans digitally today. Free to download. No credit card required.

Download SthirApp Now

Common Questions

Is SthirApp suitable for gold-backed money lending?

Yes. SthirApp is specifically designed for jewellers and money lenders offering gold-backed loans (girvi). You can record gold weight, purity, and valuation.

Can I charge different interest rates to different customers?

Yes. Each loan can have its own interest rate. SthirApp will calculate interest for each loan based on your configured rate.

How do I ensure my customers don't default?

SthirApp sends WhatsApp payment reminders automatically on the due date. You can also flag overdue loans and follow up directly.

What if my business is audited by RBI?

SthirApp maintains complete auditable records of every transaction with timestamps. Export reports anytime for compliance.