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Loans & Advances Management

Protect your capital. Ensure compliance. Strengthen financial discipline.

Loans & Advances Management is another core accounting control area where businesses often face risks of mismanagement, non-recovery, or audit non-compliance. Positioning this strongly will highlight FinnovateAI's role in not just bookkeeping but governance and financial health monitoring.

Why It Matters

Loans and advances are critical components of corporate balance sheets. Mismanagement here can lead to:

Non-recoverable advances & rising NPAs
Misclassification affecting P&L & Balance Sheet
Non-compliance with Companies Act, RBI, and Income Tax provisions
Increased audit qualifications
Strained cash flow & liquidity issues

At FinnovateAI, we provide end-to-end management of loans, inter-company advances, employee advances, and third-party lending, ensuring full compliance and risk mitigation.

Our Services

Loan Register Maintenance - Detailed tracking of disbursements, repayments & balances
Advance Tracking - Monitoring employee, vendor & inter-company advances
Interest Calculation & Accruals - Ensuring correct recognition of interest income/expense
Compliance Check - Adherence to Section 185/186 of the Companies Act, RBI norms, and tax provisions
Aging Analysis & Follow-Up - Highlighting long-outstanding loans & overdue recoveries
Inter-Company Loans Monitoring - Ensuring reconciliations with group entities
Audit Support - Preparing loan confirmations & schedules for statutory compliance
MIS & Dashboards - Real-time reports for management decision-making

Why Choose FinnovateAI?

Compliance First - Expertise in Companies Act, RBI, and Income Tax provisions
Zero Leakages - Stringent monitoring to prevent fund misuse or diversion
Audit-Ready Reports - Eliminating year-end surprises with continuous checks
Tech-Enabled Tracking - ERP dashboards & alerts for overdue loans/advances
Strategic Insights - Advisory on restructuring, provisioning & recoverability
Group Entity Support - Special focus on inter-company and related-party loans

Our Process

Data Collection & Loan Mapping - Identify all loans & advances in books
Compliance Screening - Check against legal & tax provisions
Tracking & Reporting - Real-time registers & dashboards
Variance & Aging Analysis - Identify risks & overdue items
Resolution & Advisory - Corrective accounting entries & recovery planning

Who Needs It?

Corporate Groups - Multiple inter-company loans & advances
NBFCs / Financial Institutions - Lending as core business
SMEs & Startups - Employee/vendor advance tracking
MNC Subsidiaries - Cross-border loans & compliance with FEMA
Audit-Sensitive Firms - Needing clean statutory audit reports