What is Co-lending Reconciliation?

Co-lending Reconciliation is the process of comparing loan, borrower, lender share, disbursement, repayment, escrow, settlement, and accounting records between the originator and co-lender to identify matched records, missing transactions, share differences, allocation differences, settlement gaps, and open items.

What files are required?

The main files are usually the originator LMS report and co-lender report. Depending on the workflow, borrower ledger reports, disbursement reports, repayment reports, lender share files, escrow statements, bank statements, settlement reports, accounting ledger reports, interest reports, fee reports, or supporting data files may also be used.

Can Cointab identify loans missing from the co-lender report?

Yes. Cointab can show loans present in the originator or LMS records that do not clearly match co-lender records.

Can Cointab identify co-lender records missing from the originator report?

Yes. Co-lender records that do not clearly match originator or LMS records can be shown separately for review.

Can Cointab reconcile lender share and originator share?

Yes. Originator share, co-lender share, funding ratio, principal allocation, interest allocation, fees, settlements, and outstanding balances can be compared where data is available.

Can Cointab reconcile co-lending disbursements?

Yes. Loan disbursements can be compared across originator records, co-lender records, borrower payout reports, bank statements, escrow movements, and accounting postings.

Can Cointab reconcile co-lending repayments?

Yes. Borrower repayments, EMI collections, partial payments, principal recovery, interest recovery, fees, charges, and partner-wise allocation can be reconciled.

Can Cointab reconcile escrow or nodal account movements?

Yes. Escrow statements or nodal account data can be added to compare borrower collections, lender transfers, settlements, deductions, reversals, and bank movements.

Can Cointab reconcile partner settlements?

Yes. Partner payable, partner receivable, co-lender share, originator share, servicing fees, deductions, taxes, recoveries, and net settlement amounts can be compared where data is available.

Can Cointab handle loan pools or portfolios?

Yes. Loan pool, portfolio, tranche, settlement batch, and partner-level reconciliation can be handled where the required mapping data is available.

Can Cointab identify wrong partner allocation?

Yes. If partner, co-lender, pool, loan, borrower, and share data is available, Cointab can help identify records mapped to the wrong partner, loan pool, product, branch, entity, or GL account.

Can I reuse this reconciliation every month or settlement cycle?

Yes. Once this template is selected and the workflow is used, the same setup can be reused for daily, weekly, monthly, quarterly, settlement-cycle, pool-level, financial year-end, or custom reconciliation periods.

Can this run automatically?

Yes. Once configured, Cointab can receive or pull required reports through email, SFTP, or APIs where available, run reconciliation automatically, and push output back to downstream systems.

What if my originator or co-lender report format is different?

Cointab validates uploaded files against the expected format. If the file format is different, users can correct the file, update the workflow, or create a custom reconciliation.

Can AI help with co-lending reconciliation?

Yes. AI can help match difficult open records, review messy partner references, analyze exceptions, create derived columns, and suggest possible reasons and next actions.

Can I manually match co-lending records?

Yes. Users can manually match records that the system and AI could not confidently match, and undo manual matches if needed.

Can I download the co-lending reconciliation report?

Yes. Users can download Excel reports with fully matched, partially matched, unmatched, skipped, loan-level, borrower-level, partner-level, share-level, escrow-level, settlement-level, and accounting-level details.

Popular reconciliation template

Co-lending Reconciliation

Reconcile co-lending loan transactions across borrower ledgers, originator records, co-lender records, disbursements, repayments, lender shares, interest, principal, fees, escrow movements, settlements, and open items in one structured workflow.

Upload the required co-lending, LMS, borrower ledger, lender share, repayment, disbursement, escrow, bank, and accounting reports, select the period, run reconciliation, and review fully matched, partially matched, unmatched, and skipped records.

Start this reconciliation Schedule guided setup

View demo report

Ready-made workflow · Reusable every period · Manual upload or automated data flow

Originator / LMS Records

Co-lender Records

Borrower Ledger / Repayment Data

Escrow / Bank / Settlement Data

Cointab Co-lending Reconciliation

MatchedPartially MatchedUnmatchedSkipped

Reconcile co-lending transactions across originator, lender, borrower, bank, and accounting records

Co-lending workflows involve multiple parties and multiple systems. Loan disbursements, repayments, principal, interest, fees, lender shares, escrow movements, and settlements must match across the originator, co-lender, borrower ledger, bank, and accounting records.

The Co-lending Reconciliation template helps NBFCs, fintech lenders, banks, co-lending partners, and finance teams compare loan-level and borrower-level activity across originator systems, co-lender reports, loan management systems, escrow accounts, repayment files, disbursement files, bank statements, and accounting ledgers.

This helps teams answer questions such as:

Which co-lending loans are correctly recorded by both the originator and co-lender?
Which loan disbursements were funded according to the agreed lender share?
Which borrower repayments were received and allocated correctly between the lending partners?
Which principal, interest, fees, penalties, and charges differ across originator and co-lender records?
Which escrow or nodal account movements match expected settlement values?
Which lender share, originator share, co-lender share, service fee, or revenue share is incorrect?
Which loans have timing, allocation, settlement, or accounting differences?
Which items need partner follow-up, LMS correction, escrow review, accounting correction, finance review, or internal approval?

This template is useful for NBFCs, fintech lenders, banks, digital lending platforms, co-lending partnerships, loan aggregators, lending operations teams, finance teams, controllers, CFOs, and accounting firms that need a repeatable co-lending reconciliation process.

Required files for this template

Cointab's ready-made workflow is designed around common co-lending reports, LMS exports, co-lender reports, borrower ledgers, disbursement reports, repayment reports, escrow statements, bank statements, settlement reports, accounting ledgers, and supporting lending finance reports.

Data source	Example records
Originator LMS / Loan Report	Used as the originator-side source containing loan IDs, borrower IDs, loan account numbers, approved loan amounts, disbursement amounts, lender share, originator share, repayment schedules, loan status, and borrower details.
Co-lender Loan Report	Used as the co-lender-side source containing partner loan IDs, co-lender loan references, sanctioned amounts, disbursed amounts, lender share, co-lender share, borrower details, loan status, and accounting status.
Borrower Ledger / Loan Ledger Report	Used to compare borrower-wise activity such as disbursements, repayments, principal, interest, penalties, charges, waivers, reversals, write-offs, opening balances, closing balances, and outstanding balances.
Disbursement Report	Used to compare loan disbursement records, funding contribution, tranche details, borrower payout references, bank debit references, disbursement dates, and disbursement status.
Repayment / Collection Report	Used to compare borrower repayments, EMI collections, partial payments, advance payments, principal collected, interest collected, penalties, fees, payment references, and repayment status.
Co-lender Share / Allocation Report	Used to compare expected and actual allocation of principal, interest, charges, fees, repayments, outstanding balances, and settlement values between the originator and co-lender.
Escrow / Nodal Account Statement	Optional, but useful where borrower collections, lender transfers, partner settlements, repayments, deductions, and reconciliation flows pass through an escrow, nodal, or collection account.
Bank Statement	Optional, but useful where disbursements, repayments, settlements, lender transfers, and escrow movements need to be checked against actual bank credits and debits.
Settlement Report	Optional, but useful where originator share, co-lender share, servicing fees, partner settlements, tax deductions, recoveries, and payout values need to be reconciled.
Interest Accrual / Income Report	Optional, but useful where interest income, accrued interest, collected interest, overdue interest, and partner-wise interest allocation need to be compared.
Charges / Fees / Penalty Report	Optional, but useful where processing fees, servicing fees, bounce charges, late fees, penalty interest, collection charges, taxes, or deductions need to be reconciled.
Waiver / Write-off / Settlement Adjustment Report	Optional, but useful where borrower waivers, negotiated settlements, write-offs, partner adjustments, loss sharing, recoveries, or manual corrections need to be compared.
ERP / Accounting Ledger Export	Optional, but useful if co-lending assets, borrower ledgers, partner payables, lender receivables, interest income, fees, tax, settlements, or accounting postings are maintained in SAP, Oracle, NetSuite, Microsoft Dynamics, Tally, Zoho Books, QuickBooks, or another accounting system.
Supporting Data	Optional supporting files can be used for loan mapping, borrower mapping, partner mapping, lender share mapping, pool mapping, tranche mapping, repayment reference mapping, escrow reference mapping, GL mapping, branch mapping, product mapping, entity mapping, or other enrichment.

What Cointab matches in co-lending reconciliation

Cointab compares co-lending records across originator systems, co-lender reports, borrower ledgers, loan disbursements, repayments, escrow movements, bank statements, settlements, and accounting ledgers.

Loan master records

Match loan IDs, borrower IDs, co-lender references, originator references, sanctioned amounts, disbursed amounts, loan status, partner mapping, and product details.

Lender share and originator share

Compare agreed lender share, originator share, co-lender share, funding ratio, allocation percentage, principal split, interest split, and settlement share.

Loan disbursements

Match borrower disbursement records with originator contribution, co-lender contribution, bank debits, payout partner records, tranche details, and accounting postings.

Borrower repayments

Compare borrower repayments, EMI collections, partial payments, advance payments, and overdue recoveries across LMS, co-lender, bank, and escrow records.

Principal allocation

Match principal disbursed, principal recovered, principal outstanding, principal written off, and partner-wise principal balances.

Interest allocation

Compare accrued interest, collected interest, overdue interest, interest reversals, and partner-wise interest share.

Fees, charges, and penalties

Match processing fees, servicing fees, late fees, bounce charges, penalty interest, collection charges, taxes, and other deductions.

Escrow and settlement movements

Compare borrower collections, escrow credits, lender transfers, partner settlements, deductions, recoveries, and bank movements.

Waivers, write-offs, and recoveries

Match borrower waivers, settlements, write-offs, recoveries, loss sharing, partner adjustments, and correction entries.

Accounting postings

Check whether co-lending transactions are posted correctly in loan assets, borrower ledgers, partner ledgers, interest income, fee income, receivables, payables, bank, and settlement accounts.

Internal records, if added

If ERP, bank, payment gateway, NACH, payout partner, tax, or collection partner data is included, Cointab can connect co-lending reconciliation with wider finance and lending workflows.

Common co-lending reconciliation exceptions

Cointab helps lending and finance teams focus on co-lending differences instead of manually reviewing every loan, borrower repayment, lender share, escrow movement, settlement, and accounting entry.

Loan missing in co-lender report

A loan exists in the originator or LMS report but does not appear in the co-lender report.

Loan missing in originator report

A loan appears in the co-lender report but does not clearly match the originator or LMS records.

Lender share mismatch

The lender share, originator share, co-lender share, funding ratio, or allocation percentage differs across reports.

Disbursement amount mismatch

Disbursement amount, funded amount, tranche amount, borrower payout amount, or bank debit amount differs across originator and co-lender records.

Repayment allocation mismatch

Borrower repayment is received, but the principal, interest, fee, or partner-wise allocation does not match expected values.

Principal mismatch

Principal disbursed, principal collected, principal outstanding, or principal written off differs between originator and co-lender records.

Interest mismatch

Interest accrued, interest collected, interest shared, or interest outstanding differs across co-lending records.

Fee or charge mismatch

Processing fees, servicing fees, penalty charges, bounce charges, taxes, collection charges, or deductions differ across partner reports.

Escrow movement mismatch

Escrow credits, debits, settlements, transfers, deductions, or bank movements do not match expected values.

Settlement mismatch

Partner settlement, co-lender payable, originator share, revenue share, recovery share, or net settlement amount differs.

Accounting posting mismatch

A co-lending transaction is present operationally but missing, duplicated, or posted incorrectly in accounting ledgers.

Waiver or write-off mismatch

A borrower waiver, negotiated settlement, write-off, loss sharing entry, or recovery is present in one report but missing or recorded differently in another.

Duplicate loan or transaction

The same loan, borrower repayment, disbursement, settlement, escrow movement, or accounting entry appears more than once.

Timing difference

A loan transaction belongs to one period in the originator report but appears in the co-lender report, escrow statement, bank statement, or accounting ledger in another period.

Wrong partner or borrower allocation

A loan, repayment, settlement, fee, or adjustment is mapped to the wrong borrower, partner, co-lender, product, branch, entity, GL account, or pool.

Missing or unclear reference

Loan ID, borrower ID, co-lender loan ID, partner reference, repayment ID, disbursement ID, UTR, escrow reference, voucher number, or narration is missing, incomplete, or inconsistent.

Skipped record

A row cannot be reconciled because required data is missing, invalid, duplicate, incomplete, or unusable.

How this ready-made reconciliation works

Cointab pre-configures the workflow so your team does not need to rebuild the co-lending reconciliation setup every period.

Select the template

Choose Co-lending Reconciliation from popular reconciliations.

Select the period

Choose the day, week, month, quarter, financial year, loan pool period, settlement cycle, lifetime period, or custom period you want to reconcile.

Upload co-lending and supporting reports

Upload the originator LMS report, co-lender report, and any required borrower ledger, disbursement, repayment, lender share, escrow, bank, settlement, accounting, fee, interest, waiver, write-off, or supporting files.

Validate file format

Cointab checks whether the uploaded files match the expected structure and highlights missing or incorrect columns.

Run reconciliation

Cointab applies predefined data preparation and matching logic for co-lending, borrower, lender share, escrow, settlement, and accounting data.

Review output

View fully matched, partially matched, unmatched, and skipped records.

Download or automate

Download the Excel report, or automate future data input and output through email, SFTP, or APIs.

Structured matching first, AI assistance for difficult cases

Cointab applies structured reconciliation logic first, then uses AI to help with difficult open records where fixed rules are not enough.

Structured matching

Structured matching can use:

Loan IDCo-lender loan IDLoan account numberApplication IDBorrower IDCustomer IDBorrower nameOriginator IDCo-lender IDPartner IDPool IDPortfolio IDTranche IDDisbursement IDRepayment IDEMI IDCollection IDSettlement IDEscrow referenceBank UTRBank referenceVoucher numberJournal entry numberERP document numberBranch codeProduct codeEntity codeGL accountLoan statusDisbursement statusRepayment statusSettlement statusAccounting posting statusFunding ratioOriginator share percentageCo-lender share percentageSanctioned amountApproved amountDisbursed amountOriginator funded amountCo-lender funded amountPrincipal amountInterest amountPenalty amountFee amountCharge amountTax amountServicing fee amountSettlement amountEscrow credit amountEscrow debit amountPartner payable amountPartner receivable amountWaiver amountWrite-off amountRecovery amountReversal amountOutstanding amountOpening balanceClosing balanceDisbursement dateRepayment dateCollection dateEscrow dateSettlement datePosting dateAccounting periodDerived or cleaned identifiers

Matching scenarios

One-to-one
One originator loan or transaction matches one co-lender record, escrow entry, bank entry, settlement entry, or accounting posting.
One-to-many
One loan or repayment maps to multiple principal, interest, fee, tax, settlement, escrow, or accounting entries.
Many-to-one
Multiple loans, repayments, or settlements are grouped into one co-lender batch, escrow settlement, bank movement, or accounting journal.
Many-to-many
Multiple originator records, co-lender records, borrower ledger entries, escrow entries, settlement records, and accounting entries are grouped and compared together.
Partial matching
Identifiers match, but lender share, disbursement amount, repayment amount, principal, interest, fees, settlement amount, or balance differs.
Share-level matching
Originator share, co-lender share, funding ratio, principal allocation, interest allocation, fee allocation, and settlement share are compared together.
Loan-level matching
Loan master, disbursement, repayment, outstanding balance, lender share, co-lender balance, and borrower balance are compared at loan level.
Pool-level matching
Loan pools, co-lending portfolios, settlement batches, partner reports, and portfolio-level balances are compared together where required.
Escrow-level matching
Borrower collections, escrow credits, lender transfers, settlements, deductions, reversals, and bank entries are compared together.
Balance-level matching
Opening balances, period movements, principal outstanding, interest outstanding, partner receivables, partner payables, and closing balances are compared together.
Net and contra matching
Disbursements, repayments, principal recovery, interest income, fees, charges, taxes, settlements, waivers, write-offs, reversals, recoveries, and partner adjustments are netted where required.

AI-assisted transaction matching

After structured rules run, AI helps match difficult open transactions where:

References are incomplete
Loan IDs are formatted differently across partner systems
Borrower names are written differently
Co-lender loan references do not directly match originator references
Escrow narration is messy
Bank narration is unclear
One settlement contains multiple loans or repayments
One borrower repayment is split across principal, interest, fee, and partner-share lines
One co-lender report summarizes multiple loan-level records
Waivers, write-offs, or recoveries do not clearly link to original transactions
Partner settlement descriptions are inconsistent
Amounts require contextual review
Multiple possible matches exist

AI exception analysis

For transactions that remain open, AI can help identify possible reasons such as:

Loan missing in co-lender reportLoan missing in originator reportLender share mismatchDisbursement mismatchRepayment allocation mismatchPrincipal mismatchInterest mismatchFee mismatchEscrow mismatchSettlement mismatchAccounting posting mismatchWaiver mismatchWrite-off mismatchDuplicate loanDuplicate transactionWrong partner allocationWrong borrower allocationPosting period differenceInternal LMS issueUnclear reference

AI assists matching and exception review, but Cointab keeps reconciliation transparent, reviewable, and audit-friendly.

Audit-ready co-lending reconciliation reports

Cointab gives your team a clear report showing which co-lending, borrower ledger, lender share, escrow, bank, settlement, and accounting records matched, partially matched, remained unmatched, or were skipped.

Report categories

Fully matched
Originator, co-lender, borrower, escrow, settlement, and accounting records where identifiers, shares, and amounts match.
Partially matched
Records where identifiers match but lender share, disbursement amount, repayment amount, principal, interest, fees, settlement amount, or balance differs.
Unmatched in originator records
Co-lender, escrow, bank, settlement, or accounting records that do not clearly match originator or LMS records.
Unmatched in co-lender records
Originator or LMS records that do not clearly match co-lender reports.
Loan master differences
Records where loan ID, borrower details, sanctioned amount, disbursement amount, funding ratio, loan status, or partner mapping requires review.
Disbursement differences
Records where loan disbursement, lender contribution, tranche funding, borrower payout, bank debit, or accounting posting requires review.
Repayment differences
Records where borrower repayment, EMI collection, partial payment, principal, interest, fees, and partner-wise allocation require review.
Lender share differences
Records where originator share, co-lender share, principal split, interest split, fee split, outstanding balance, or settlement share requires review.
Escrow differences
Records where escrow credits, debits, transfers, settlements, deductions, reversals, or bank movements require review.
Settlement differences
Records where partner payable, partner receivable, net settlement, servicing fee, taxes, deductions, or recoveries require review.
Accounting differences
Records where GL account, partner ledger, borrower ledger, loan asset, interest income, fee income, bank, payable, receivable, or accounting period requires review.
Waiver, write-off, and recovery differences
Records where waivers, settlements, write-offs, loss-sharing entries, recoveries, or partner adjustments require review.
Skipped
Records excluded due to missing, invalid, duplicate, incomplete, or unusable data.

Report capabilities

Summary cards
Loan-level view
Borrower-level filters
Partner-level filters
Pool-level filters
Share-level filters
Settlement-level filters
GL account filters
Difference amounts
Component-level view
Balance-level view
Matched transaction drill-down
Manual match
Undo manual match
Excel export
Audit-friendly output

Automate recurring co-lending reconciliation

Once this workflow is stable, Cointab can automate file input, reconciliation runs, and output delivery.

Bring data into Cointab

Data can be received or pulled through:

EmailSFTPAPI integrations, where available

Run automatically

Schedule reconciliation:

DailyWeeklyMonthlyQuarterlySettlement cycle-wiseLoan pool-wiseAt month-end closeAt financial year-endAfter originator LMS exportAfter co-lender file receiptAfter repayment report receiptAfter disbursement report receiptAfter escrow statement receiptAfter settlement report receiptAfter accounting ledger exportAfter all required files are availableAt a custom frequency

Push output back

Send reconciliation output to:

Loan management systemERPAccounting systemCo-lending partner systemEscrow operations dashboardSettlement operations dashboardLending operations dashboardCollection operations dashboardBI dashboardInternal finance systemAnalytics databaseData warehouseInternal exception trackerPartner follow-up workflowAccounting close workflowAudit or compliance system

Matched co-lending loans
Matched disbursement records
Matched repayment records
Matched lender share records
Matched escrow entries
Matched settlement entries
Unmatched originator records
Unmatched co-lender records
Lender share differences
Disbursement differences
Repayment allocation differences
Principal differences
Interest differences
Fee and charge differences
Escrow differences
Settlement differences
Accounting posting differences
Waiver differences
Write-off differences
Wrong partner allocation records
Wrong borrower allocation records
Timing differences
Open items
Suggested actions
Excel reconciliation report
Structured API output

View a co-lending reconciliation demo report

See how Cointab presents Co-lending Reconciliation output with matched, partially matched, unmatched, and skipped records.

Co-lending Reconciliation Demo

Explore a sample report showing originator records, co-lender records, loan disbursements, borrower repayments, lender share, principal, interest, fees, escrow entries, settlements, accounting postings, timing differences, and open items.

View demo report

Explore related lending, ledger, and settlement reconciliations

Cointab supports other lending, repayment, disbursement, borrower ledger, bank, payment gateway, NACH, books, ERP, and finance reconciliation workflows.

Borrower Ledger vs Accounting Ledger

Reconcile borrower-wise loan ledger records with accounting ledger postings across disbursements, repayments, interest, penalties, charges, waivers, write-offs, and balances.

View template

Loan Repayment vs Bank

Reconcile borrower repayment records with bank statement credits across EMI payments, partial payments, failed payments, reversals, and open items.

View template

Loan Disbursement vs Bank

Reconcile approved loan disbursement records with bank statement debits across borrower payouts, failed disbursements, reversals, and open items.

View template

EMI Schedule vs Collections

Reconcile scheduled EMI dues with actual borrower collections across paid, partially paid, overdue, waived, and reversed EMIs.

View template

LMS vs NACH

Reconcile LMS repayment records with NACH reports across mandate debits, successful collections, bounces, rejections, reversals, and charges.

View template

Bank Statement vs Books

Compare bank statement entries with accounting or books records.

View template

Built for teams reconciling co-lending transactions

This template is useful for teams that regularly reconcile co-lending loans, lender shares, borrower repayments, disbursements, escrow movements, settlements, accounting entries, and partner-level open items.

NBFCs

For NBFCs reconciling originator LMS records with co-lender reports, borrower ledgers, settlements, escrow statements, and accounting ledgers.

Banks

For banks participating in co-lending arrangements and reconciling loan shares, borrower repayments, disbursements, partner settlements, and accounting records.

Digital lending platforms

For lending platforms managing co-lending partnerships across borrower loan records, co-lender files, collections, settlements, and partner reports.

Fintech lenders

For fintech companies reconciling co-lending loans, funding shares, repayment allocations, escrow movements, partner receivables, and payables.

Loan aggregators

For platforms that coordinate between borrowers, originators, co-lenders, banks, and settlement systems.

Lending operations teams

For teams reviewing loan setup, disbursement funding, repayment allocation, partner reports, escrow flows, and open exceptions.

Finance teams

For teams preparing recurring co-lending reconciliation reports for daily review, month-end close, partner reporting, settlement, and audit.

Accounting teams

For teams reconciling loan assets, partner ledgers, borrower ledgers, interest income, fee income, bank entries, escrow entries, and accounting postings.

Controllers

For controllers who need visibility into lender share mismatches, settlement gaps, wrong GL postings, borrower balance differences, and partner-level exceptions.

CFOs

For finance leaders who want stronger control over co-lending books, partner settlements, cash flows, loan assets, receivables, accounting accuracy, and audit readiness.

Risk and compliance teams

For teams reviewing partner-level controls, borrower-level audit trails, share allocation, write-offs, waivers, settlements, and exception approvals.

Accounting firms

For CA, CPA, or outsourced accounting teams handling lending, NBFC, fintech, bank, co-lending, and accounting reconciliation for multiple clients.

Trusted by teams handling co-lending reconciliation

Cointab is used by finance and operations teams that reconcile high-volume, multi-source transaction data across co-lending partners, loan management systems, borrower ledgers, escrow accounts, banks, settlements, books, ERP systems, and internal systems.

“We have worked on many softwares but we love the ease of using cointab. The staff and support is very instant. They are approachable, proficient and patient. Team is very cooperative with the customisations. The experience of using cointab was nice.”
— Urbanic

Co-lending Reconciliation FAQs

Start Co-lending Reconciliation

Use Cointab's ready-made co-lending reconciliation workflow to match originator records, co-lender records, lender shares, disbursements, repayments, escrow movements, settlements, accounting postings, review exceptions, and export audit-ready reports.

Start this reconciliation Schedule guided setup

View demo report

Ready-made workflow · Reusable every period · Manual upload and automation supported

Co-lending Reconciliation

View demo report

Ready-made workflow · Reusable every period · Manual upload or automated data flow

Data source

Example records

Originator LMS / Loan Report

Used as the originator-side source containing loan IDs, borrower IDs, loan account numbers, approved loan amounts, disbursement amounts, lender share, originator share, repayment schedules, loan status, and borrower details.

Co-lender Loan Report

Used as the co-lender-side source containing partner loan IDs, co-lender loan references, sanctioned amounts, disbursed amounts, lender share, co-lender share, borrower details, loan status, and accounting status.

Borrower Ledger / Loan Ledger Report

Used to compare borrower-wise activity such as disbursements, repayments, principal, interest, penalties, charges, waivers, reversals, write-offs, opening balances, closing balances, and outstanding balances.

Disbursement Report

Used to compare loan disbursement records, funding contribution, tranche details, borrower payout references, bank debit references, disbursement dates, and disbursement status.

Repayment / Collection Report

Used to compare borrower repayments, EMI collections, partial payments, advance payments, principal collected, interest collected, penalties, fees, payment references, and repayment status.

Co-lender Share / Allocation Report

Used to compare expected and actual allocation of principal, interest, charges, fees, repayments, outstanding balances, and settlement values between the originator and co-lender.

Escrow / Nodal Account Statement

Optional, but useful where borrower collections, lender transfers, partner settlements, repayments, deductions, and reconciliation flows pass through an escrow, nodal, or collection account.

Bank Statement

Optional, but useful where disbursements, repayments, settlements, lender transfers, and escrow movements need to be checked against actual bank credits and debits.

Settlement Report

Optional, but useful where originator share, co-lender share, servicing fees, partner settlements, tax deductions, recoveries, and payout values need to be reconciled.

Interest Accrual / Income Report

Optional, but useful where interest income, accrued interest, collected interest, overdue interest, and partner-wise interest allocation need to be compared.

Charges / Fees / Penalty Report

Optional, but useful where processing fees, servicing fees, bounce charges, late fees, penalty interest, collection charges, taxes, or deductions need to be reconciled.

Waiver / Write-off / Settlement Adjustment Report

Optional, but useful where borrower waivers, negotiated settlements, write-offs, partner adjustments, loss sharing, recoveries, or manual corrections need to be compared.

ERP / Accounting Ledger Export

Optional, but useful if co-lending assets, borrower ledgers, partner payables, lender receivables, interest income, fees, tax, settlements, or accounting postings are maintained in SAP, Oracle, NetSuite, Microsoft Dynamics, Tally, Zoho Books, QuickBooks, or another accounting system.

Supporting Data

Optional supporting files can be used for loan mapping, borrower mapping, partner mapping, lender share mapping, pool mapping, tranche mapping, repayment reference mapping, escrow reference mapping, GL mapping, branch mapping, product mapping, entity mapping, or other enrichment.

Start Co-lending Reconciliation

View demo report

Ready-made workflow · Reusable every period · Manual upload and automation supported