Run your lending business
with clarity.
AKIAPO is simple loan & accounting software built for private money lenders. Give loans, run your daily collection line, put an app in every agent's hand — and keep books that always balance, without knowing a thing about accounting.
Today's Collection Line
₹13,112 dueMade for how lending actually works in South India
Vaddi and thandal businesses, daily-finance lenders, chit-style collectors — anyone who lends cash and collects it back, day after day, line after line.
The owner
Sees the whole business on one simple screen — cash in hand, money lent out, collected today, this month's profit. No ledgers, no jargon.
The collection agent
Opens their phone to "My Line Today," taps to collect from each customer, and hands over the cash to the office — all in one screen, in their language.
The customer
Can check their own loan, dues and payment history from a clean portal — building trust without a single phone call.
Powerful underneath. Effortless on top.
Simple enough for an owner who's never used software — with a real double-entry accounting engine doing the hard work behind the scenes.
Daily collection line
The one screen you live in: who owes what today, grouped by customer, with one-tap collect. Overdue flagged in red.
Agent app
Give every collection agent a phone-first app — their line, tap-to-collect, and cash hand-over to the office, fully scoped to just their route.
My Money view
A plain picture of your money — cash, bank, lent out, collected, profit. The full ledger is one click away when your accountant wants it.
Every interest method
Flat, reducing balance, interest-only vatti, daily/weekly/monthly, meter vatti compounding — the way your business already charges.
Books that always balance
Every payment, disbursal and fee posts a balanced journal automatically. The trial balance ties, every single day.
Partners & investors
Fund loans from partners or investors and split profit automatically — every share attributed correctly, no spreadsheets.
Documents & printing
Loan agreements, receipts and statements — branded with your business name, ready to print or hand over.
Safe & separated
Each business's data is fully isolated. Agent collections wait for office approval before they hit the books.
Your language
English, Tamil and Kannada out of the box — and you can add any language and translate every screen yourself.
From first loan to daily collections in minutes
Add a customer
Name, phone, a photo of an ID if you want. Done in seconds.
Give the loan
Pick the amount and your interest method. The schedule builds itself.
Assign an agent
Put the loan on an agent's route. It appears on their line automatically.
Collect daily
Agents tap to collect, cash is handed over, and your books update themselves.
Speaks your team's language
Owners and agents work in the language they're comfortable in. Every user picks their own — and you can add more anytime from the admin panel.
Your whole lending business,
in one place.
Loans, daily collections, agents, partners and a ledger that always ties — clear enough for anyone to run.