Purchase Credit (Loans)

**Menu:** Club Panel → Financial → Loans → Overview

Dashboard for loan operations — counts by status, volume, and shortcuts to sub-modules.

Prerequisites

1. Loans / credit option on club subscription.
2. At least one credit plan in draft or active state for meaningful stats.

Page layout

• Stat cards: active plans, pending applications, approved this month, outstanding volume.
• Recent applications list with quick open.
• Shortcuts to providers, introducers, plans, applications, reports.

Step-by-step

1. Open Financial → Loans → Overview each morning.
2. Prioritize pending applications above threshold age.
3. Jump to Applications for detail review.
4. Use Reports before management meetings.

**Menu:** Club Panel → Financial → Loans → Capital providers

Register entities that supply loan capital.

Step-by-step

1. Open Capital providers.
2. Add provider — legal name, contact, settlement account if needed.
3. Link provider to one or more credit plans.
4. Set active only after contract signed offline.
5. Deactivate provider to stop new applications on its plans.

Tips

• One provider can back multiple plans; each plan has one primary provider typically.
• Store contract reference in internal notes field if available.

**Menu:** Club Panel → Financial → Loans → Introducers

Partners (employers, associations) whose members apply with a referral context.

Step-by-step

1. Open Introducers.
2. Create organization with code members or staff may select at apply time.
3. Assign default plan eligibility if business rules require.
4. Share introducer code with partner HR.
5. Filter applications by introduer for partner reporting.

**Menu:** Club Panel → Financial → Loans → Credit plans

Define products members see in the portal.

Page layout

• Plan list: name, provider, min/max amount, term months, rate, status.
• Plan form: eligibility (level, group), required documents, fee structure, visibility.

Step-by-step

1. Open Credit plans.
2. New plan — title members will recognize.
3. Select capital provider and amount/term bounds.
4. Set interest / fee fields per finance approval.
5. Restrict by membership level or group if needed.
6. Set status Active only after legal sign-off.
7. Preview in portal with test member account.

Tips

• Draft plans are hidden from members.
• Changing rate does not alter already-approved applications.

**Menu:** Club Panel → Financial → Loans → Applications

Operational queue for underwriters and club staff.

Page layout

• Filters: status, plan, date, introducer.
• Table: applicant, plan, amount requested, status, submitted date.
• Detail: KYC fields, documents, history, action buttons.

Step-by-step

1. Open pending application from queue.
2. Verify member identity and level eligibility.
3. Check documents uploaded in portal or attached offline.
4. Approve with approved amount/term or Reject with reason member will see.
5. Trigger or confirm disbursement per process (wallet credit or bank file).
6. Log internal note for audit.

Status reference

**Menu:** Club Panel → Financial → Loans → Reports

Export and aggregates for finance and partners.

Step-by-step

1. Choose date range and plan filter.
2. Run application funnel or outstanding portfolio report.
3. Export CSV for accounting if enabled.
4. Share introducer-specific slice with partners.

**Menu:** User Portal → Club tab or Wallet → Credit / Loans

Members discover plans and track their applications.

Step-by-step

1. Open Credit from Club tab or wallet menu.
2. Browse available plans; read amount, term, and rate.
3. Tap Apply; fill required fields and upload documents.
4. Submit — status shows Pending until club decides.
5. Check notifications for approve/reject message.
6. If approved, follow instructions for disbursement (wallet auto-credit or next steps).

Tips for members

• Incomplete documents delay review — upload clear photos.
• Approved amount may be lower than requested.
• Repayment schedules appear in wallet transactions when active.

• Configure providers → introducers → plans before marketing to members.
• Applications queue is daily operational center.
• Never quote rates to members except from active plan visible in portal.
• Rejection reason field is member-visible — write professionally.