L
LOS CONSULTING
Loan operations workflow
Report date {{ todayLong }}
Saved for the whole office
{{ whoName }} {{ whoTitle }}
{{ backupMsg }}
Los Consulting

Team & responsibilities

Who owns each stage of the loan workflow. Click a name to edit it.

{{ m.initials }}
{{ m.name }}
{{ m.role }}
Owns these stages
{{ s.n }} {{ s.title }}
Governance & oversight
Responsibilities
{{ dty }}
Authority
{{ m.authority }}
§
Segregation of duties
No single person takes a loan from application to payout. The Administrator captures and processes, the Manager makes the credit decision and signs the agreement, and the Director releases the funds. A loan cannot be disbursed until all three roles have acted — approval, signature and payout sign-off are recorded separately in each file.
Debtors book · {{ clientCount }} active loans

Loan pipeline
Due dates — attention
{{ col.n }}
{{ col.title }}
{{ col.role }}
{{ col.count }}
{{ c.name }}
{{ c.ownership }} {{ c.province }}
Balance
{{ c.balance }}
{{ c.status }}
{{ col.emptyText }}
{{ statFilterLabel }} — filtered from the dashboard.
{{ regOpenNote }}
Client
Type
Capital
Interest
Payment received
Balance
% repaid
Stage
Actions
No clients match this selection.
{{ r.name }}
Pending
{{ r.province }} · borrowed {{ r.borrowed }}
{{ r.stmt }}
{{ r.ownership }}
{{ r.capital }}
{{ r.interest }}
{{ r.collected }}
{{ r.balance }}
{{ r.pct }}
Declined {{ r.declinedAtStage }}
{{ r.stageNum }} {{ r.stageName }}
Chase today {{ chaseCount }} Broken promises, follow-ups due, and overdue files nobody has contacted in 14 days. Open one to log the call.
{{ h.name }}
{{ h.days }}
{{ h.arrears }}
{{ h.why }}
{{ h.phone }}
Last contact: {{ h.lastContact }}
Client
Client
Total repayable
Collected
Outstanding
% collected
Due · status
{{ r.name }}
{{ r.province }}
{{ r.total }}
{{ r.collected }}
{{ r.outstanding }}
{{ r.pct }}
{{ r.due }} {{ r.status }}
No loans are in collection yet. Loans appear here once disbursed.
Total outstanding
{{ collectionsOutstanding }}
Client proof of payment
{{ colPopHelp }}
{{ f.name }}{{ f.when }}
No proof of payment attached yet.
Contact log
Every call, message and promise to pay. A promise shows Kept or Broken from the ledger by itself.
{{ clogReasons }}
{{ letterFinalNote }}
{{ clogWaLabel }}Opens the chat in WhatsApp. Log what was said below. No cell number on this file.
Send from the LOS WhatsApp - logged by itself
{{ clogBizMsg }}
{{ clogErr }}
{{ e.when }}
{{ e.channel }}
{{ e.outcome }}
{{ e.who }} {{ e.next }}
{{ e.promise }} {{ e.badge }}
Nothing logged on this file yet.
Subsidiary ledger
Running account for this debtor — capital and interest debited, payments credited.
Record instalment
Capital advanced
{{ colLedgerOpening }}
Interest · {{ colRatePct }}
{{ colLedgerInterest }}
Total repayable
{{ colLedgerTotalRep }}
Date
Description
Debit
Credit
Balance
{{ l.date }}
{{ l.desc }}
{{ l.debit }}
{{ l.credit }}
{{ l.balance }}
No instalments recorded yet. Record the first payment against the proof on file.
Collected · {{ colLedgerCount }} entries
Total collected
{{ colLedgerTotal }}
% collected
{{ colLedgerPct }}
Outstanding
{{ colLedgerOutstanding }}
+ Capture payment
Manager / Administrator posts the payment against the proof on file.
{{ colRecordMsg }}
Client name
Capital borrowed
Interest earned
Total repayable
{{ r.name }}
{{ r.province }}
{{ r.capital }}
{{ r.interest }}
{{ r.total }}
Book total
{{ colBookCapital }}
{{ colBookInterest }}
{{ colBookTotal }}
{{ swPos }}

{{ d.name }}

{{ d.ownership }}
{{ d.reg }} · {{ d.address }}
Balance owing
{{ d.balance }}
Status
{{ d.status }}
Still missing on this file
{{ gapsNote }}
Changes awaiting Manager approval
Edited by {{ pendingBy }} on {{ pendingAt }} · not yet applied to this file
{{ pendingCount }} pending
Field
Current
Proposed
{{ pr.label }}
{{ pr.was }}
{{ pr.now }}
Only the Manager or the Director can approve these changes.
{{ stageNum }}

{{ stageTitle }}

Responsible · {{ stageRole }}

{{ stageDesc }}

{{ rowsTitle }}
{{ row.label }}
{{ row.value }}
Credit check
{{ crBandLabel }}
{{ crReasonTitle }}
{{ crReasonBody }}
{{ crStatus }}
{{ t.label }}
{{ t.value }}
{{ t.sub }}
Affordability assessment
{{ assessLimitNote }}
This has not been checked against the bank statements
{{ noBankReadBody }}
{{ g.title }}
{{ r.label }}
{{ r.value }}
{{ g.totalLabel }}
{{ g.totalValue }}
{{ assessVerdictTitle }}
{{ assessVerdictBody }}
Bank statements
{{ bankSavedNote }}
{{ bankAssessEmpty }}
Month
Money in
Money out
{{ m.label }} · part month
{{ m.credits }}
{{ m.debits }}
Average monthly inflow / outflow
{{ bankAvgIn }}
{{ bankAvgOut }}
{{ bankSavedBasis }}
{{ bankFlagText }}
Loan terms
Interest rate
{{ rateSubLabel }}
{{ rateUnit }}
Interest amount
{{ rateInterest }}
Total repayable
{{ rateTotal }}
Rate is locked once the loan passes assessment.
Repayment schedule
{{ schedSummary }}
No schedule on this file yet, so arrears are still read from the single due date. Set one up from the signed agreement — the instalment dates and amounts, and the penalty per day it provides for.
#Due CoversAmount Paid Outstanding Status
{{ ins.n }} {{ ins.due }} {{ ins.kind }} {{ ins.amount }} {{ ins.paid }} {{ ins.outstanding }} {{ ins.state }}
Application declined
{{ declinedStopMsg }}
Second default — hand to debt collector
{{ secondDefaultMsg }}
{{ agrCardTitle }}
{{ agrCardDesc }}
{{ agrProcess }}
Signed contract returned by client
Upload all signed documents
Print the agreement, sign it by hand with the client and witnesses, then upload every signed page here. The agreement can only be marked signed once the signed copies are on file.
{{ fl.name }}
ABSA payout — proof of payment
Proof of payment from ABSA
{{ popHelp }}
{{ fl.name }}
The date the money left the account and the reference the bank shows against it. The monthly bank tie-out matches this payout on both.
Late-payment penalty
{{ penAmount }}
{{ penDesc }}
Added to the total repayable, the statement of account and the subsidiary ledger.
{{ penBtnLabel }}
{{ penWhoMay }}
Collection notes
Every call, message and promise to pay on this loan. The same log as Payment Collection.
{{ rlReasons }}
{{ rlWaLabel }}Opens the chat in WhatsApp. Log what was said below. No cell number on this file.
Send from the LOS WhatsApp - logged by itself
{{ rlBizMsg }}
{{ rlErr }}
{{ e.when }}
{{ e.channel }}
{{ e.outcome }}
{{ e.who }} {{ e.next }}
{{ e.promise }} {{ e.badge }}
Nothing logged on this file yet. Write the first note above - for example "Called, she asked to pay today".
{{ kycTitle }}
{{ kycProgress }}
{{ kycNeedTitle }}
{{ kycNeedWhy }}
{{ kycDupNote }}
{{ k.label }}
{{ k.desc }}
{{ k.psBusyText }}
Net salary read from the payslips
{{ k.psHeadline }}
{{ k.psEmployerLine }}
{{ m.text }}
{{ k.psSpreadLine }}
{{ k.psFailedText }}
{{ k.psWarn }}
{{ k.psOk }}
{{ k.psNoDeclared }}
{{ fl.name }}
Bank statements — monthly figures
{{ bankSavedNote }}
{{ bankBusyText }}
{{ bankFatalText }}
{{ bankReviewHeadline }}
Check the months against the statements, then confirm. Nothing is saved to the file until you do.
{{ f.name }} — {{ f.text }}
Month
Credits
Debits
{{ m.label }} · part month
{{ m.credits }}
{{ m.debits }}
Average a month
{{ bankReviewAvgIn }}
{{ bankReviewAvgOut }}
{{ bankReviewBasis }}
{{ bankReviewWarn }}
{{ bankReviewFlagText }}
Enter each month’s total credits and debits from the statements. A month left blank is left out.
Month
Credits
Debits
{{ m.label }} · part month
{{ m.credits }}
{{ m.debits }}
Average a month
{{ bankAvgIn }}
{{ bankAvgOut }}
{{ bankSavedBasis }}
{{ bankEmptyText }}
PDF or CSV · FNB, Standard Bank, ABSA, Capitec, Discovery, or any bank’s CSV
Statement of account
Los Consulting · {{ d.docName }}
Loan date {{ d.borrowed }}
Due date {{ d.due }}
{{ d.newPay }}Statement {{ todayShort }}
Total repayable
{{ colTotalRepayable }}
Collected
{{ colCollected }}
Outstanding
{{ colOutstanding }}
{{ colPct }} of total repayable collected Due {{ colDue }}
Client proof of payment
Payment received in the ABSA account
{{ cpopHelp }}
{{ fl.name }}
Only the Director can upload proof of payment. Switch to the Director role to attach it.
Payment ledger
{{ ledgerCount }} entries
#
Date
Description
Amount
{{ l.n }}
{{ l.date }}
{{ l.desc }}
{{ l.amount }}
No payments received yet. Record the first instalment when funds clear.
Total collected · {{ ledgerPct }} of capital
{{ ledgerTotal }}
{{ calloutBody }}
Actions
Decision
{{ decisionLabel }}
Manager's notes
Approve Decline
{{ crBlockedMsg }}
{{ decideWhoMay }}
Reopen decision Puts the file back to pending so it can be decided again.
{{ directorFinalMsg }}
Earlier decisions on this file
{{ h.text }}
Note: {{ decisionNote }}
{{ dirReviewSkippedMsg }}
Director review
The Manager has {{ dirReviewDecisionWord }} this application. Do you agree with her decision?
I agree — confirm {{ dirOverturnLabel }}
Awaiting Director review of the Manager's decision. The file cannot proceed to the agreement until the Director confirms.
{{ dirReviewLabel }}
{{ declineSentLabel }}
Email decline to client
{{ signLabel }}
Mark agreement signed
Upload the signed documents returned by the client before marking the agreement signed.
Email the Director — ready to pay
Sends the signed agreement, manager's notes and loan amount to prince@losconsulting.co.za.
{{ payoutLabel }}
Confirm EFT payout
{{ payoutAwaitMsg }}
Print / Save statement Email statement to client
Record instalment Email payment reminder
Loan settled in full
{{ advanceLabel }}
{{ advanceBlockedMsg }}
Final stage of the workflow.
Terms for this loan: interest {{ termsRate }} · default interest 2% per month · loans over 90 days overdue or below 25% repaid are flagged critical.
Capture the application as submitted. The file enters the pipeline at stage 1 with an empty document checklist.
How does the applicant earn?
{{ empHint }}
{{ returningTag }}
{{ returningMsg }}
Interest ({{ newRatePct }} / 30 days) {{ newInterestPreview }}
Total repayable {{ newRepayablePreview }}
{{ exposureText }}
{{ newErrorText }}
{{ emailIntro }}
To{{ emailTo }}
Subject{{ emailSubject }}
{{ emailBody }}
No email address is on file for this client. Add one via Edit so the notification can be sent.
{{ emailBounceMsg }}
Notification sent to {{ emailSentTo }}
Statement of account
LOS CONSULTING
Statement of account
{{ d.docName }} · {{ d.reg }}
Loan date {{ d.borrowed }}
Due date {{ d.due }}
{{ d.newPay }}Statement {{ todayShort }}
Repayment schedule
Enter what the signed agreement says. The instalments below are what will be saved, and what arrears are measured against.
{{ schedPreviewCount }} instalments · {{ schedPreviewTotal }} in total
{{ pv.n }} {{ pv.due }} {{ pv.kind }} {{ pv.amount }}
{{ agrDialogLabel }}
LOS CONSULTING
Los Consulting (Pty) Ltd · Reg. 2026/174890/07 · 210 Amarand Avenue, Pretoria

Loan Agreement

This loan agreement is entered into on {{ agrDate }} between:

The Lender
Los Consulting (Pty) Ltd
Reg. 2026/174890/07
210 Amarand Avenue, Pretoria
The Borrower
{{ agrBorrower }}
{{ agrRegLabel }} {{ agrReg }}
{{ agrAddress }}
Director: {{ agrDirName }} {{ agrDirId }}
Responsible person: {{ agrRespName }}
  1. Loan amount. The Lender agrees to advance the Borrower a principal sum of {{ agrPrincipal }} (the "Loan").
  2. Interest. Interest is charged at a flat rate of {{ agrRatePct }} of the principal over the 30-day term, running from {{ agrDate }} to {{ agrDue }}, being {{ agrInterest }}.
  3. Total repayable. The Borrower shall repay the total sum of {{ agrTotal }} (principal {{ agrPrincipal }} plus interest {{ agrInterest }}), which falls due in full on {{ agrDue }} (the "Due Date").
  4. Repayment. Repayment shall be made by electronic funds transfer to the Lender's nominated account ({{ agrLenderAccount }}), using the Borrower's reference.
  5. Default interest. Any amount outstanding after the Due Date shall bear default interest at 2% per month until settled in full.
  6. Recovery. Should the account remain unpaid, the Lender may pursue recovery, including legal proceedings, and recover reasonable costs incurred.
  7. Second default. The Borrower is allowed one default. If the Borrower does not pay by the new date to pay given after default interest is charged, or defaults again on this or any later loan with the Lender, the Lender will hand the account to a registered debt collector, after giving the notice the law requires, and the Borrower shall be liable for the collection costs the law allows.
  8. Borrower payment details. The Borrower's nominated account for disbursement and collection is recorded below.
  9. Protection of personal information (POPIA). The Borrower consents, in terms of the Protection of Personal Information Act 4 of 2013, to the Lender collecting, processing and storing the Borrower's personal information for the purposes of assessing, administering and recovering this Loan. The Lender shall keep such information secure, use it only for lawful purposes connected to this agreement, and not share it except as required by law or to effect recovery.
  10. Governing law. This agreement is governed by the laws of the Republic of South Africa.
Borrower banking details
Bank{{ agrPayBank }}
Account holder{{ agrPayHolder }}
Account type{{ agrPayType }}
Account number{{ agrPayAccNo }}
Branch code{{ agrPayBranch }}
{{ agrLenderSig }}
For and on behalf of the Lender
Los Consulting (Pty) Ltd
Manager · Maria Molokomme-Baloyi
{{ agrBorrowerSig }}
The Borrower
{{ agrBorrower }}
Signed by {{ agrDirName }}, duly authorised director
Responsible person
{{ agrRespName }}
Witness for the Lender
Full name
Witness for the Borrower
Full name
{{ agrSignedLine }}
 {{ viewDocBody }}
You are about to permanently remove {{ deleteName }} from the loan book, including its documents, statement and payment ledger.
This action cannot be undone.
{{ payDelText }}
Why is this payment being reversed?
Kept on the file with your name and today’s date, and in the audit log.
{{ payDelErr }}
Keep payment Reverse payment
If the file {{ backupFname }} is not in your Downloads folder, click Copy backup text below, paste it into Notepad, and save it with the name above.
Try download again {{ copyBackupLabel }} Done
Charge a late-payment penalty on this overdue account. It is added to the total repayable, the statement of account and the subsidiary ledger.
Days late defaults to the account’s current days overdue. Adjust either field to recalculate.
Charged on the outstanding balance of {{ penBaseLabel }} (capital + interest less payments).
Penalty amount {{ penPreview }}
{{ payDlgIntro }}
As it appears on the bank statement. This is what the monthly bank tie-out matches the receipt against.
{{ payErr }}
Outstanding before{{ payDlgBalance }}
Outstanding after{{ payDlgAfter }}