বাংলাদেশের ঋণ ব্যবসা পরিচালনার জন্য সেরা ডিজিটাল সমাধান। From customer onboarding to profit calculation, from cashbook to legal docs — everything one lender needs, in one app.
Bangladesh has thousands of small-scale lending businesses — NGOs, samiti, microfinance shops, gold-loan operators, individual lenders. Most are running their entire operation on khata books and Excel. The math is brittle. The audit trail is missing. The customer notifications are by hand.
পাওনাখাতা changes that. One app, 46 features, Bangla-first. Track every loan, every payment, every customer. Calculate profit automatically — simple and compound. Generate PDF reports for tax filing. All encrypted at AES-256. From your phone.
This is what the next decade of small finance in Bangladesh looks like.
The features that matter most for running a healthy lending business — fast, accurate, accountable.
Add customers, issue loans, track every installment. KYC-style record with photos, NID, contacts.
Simple interest, compound interest, simple profit — calculated automatically. No spreadsheet errors.
Daily, monthly, annual reports. Export to PDF or CSV for tax filing and audit trails.
Bank-grade encryption on every record. 24/7 backups. Two-factor login. Your data, your control.
Every screen tested in production with actual lending businesses across Dhaka, Sylhet, and Khulna.
Every receipt in one place. Filter by status, search by customer or loan number. Accept cash, bKash, or bank.
Daily, monthly, annual profit dashboard. Trend charts. Pie split between simple, compound, and simple profit.
Track every taka in and out — investment, withdrawal, profit reinvested. Pie chart shows where capital sits.
Transparent build pipeline — see what's done, what's coming. Customers vote on the next features.
Every capability inside পাওনাখাতা, grouped by area of the business. ✓ = shipped, ⟳ = building, ○ = planned.
We ship in public. Customers vote on what's next. Every quarter brings 4–6 new capabilities.
Financial records demand more than passwords. Here's the protection stack behind every transaction.
Every customer record, every loan entry, every receipt — encrypted at rest with bank-grade AES-256. Even our team can't read your data without your key.
Hourly snapshots, encrypted and replicated across geographically separated data centers. Restore any point in the last 30 days in under 5 minutes.
SMS, authenticator app, or biometric login. Role-based access for staff. Every login event logged with device fingerprint and location.
Test every feature, import your existing data, run your business in parallel for 15 days. No credit card required. Cancel anytime. Keep your data either way.
Bangladesh's lending businesses deserve better than Excel. Built locally, encrypted at AES-256, supported in Bangla.
Building পাওনাখাতা for BD's lenders. Happy to chat about the product or the build:
● ONLINE NOWQuick questions · usually replied within 1 hour
Pick a 30-min slot · free discovery
Detailed project chat · 30–60 min