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Empulse Labs
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Reach the credit call
with a Reach the credit
call with a complete file.

Applicants send KYC, bank statements, ITR and GST on your WhatsApp. Gaps are asked once, and a credit memo is ready before anyone approves.

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Setup fee back if it doesn't work in 45 days

Loan file
7 of 9
✓ PAN, Aadhaar, Form 16
○ Statement page 6, salary slip
Partner batch
600
leads, checklists sent
Home loan
LAP

Where loan files stall before credit

  • Follow-ups before a full file

    The checklist goes out three or four times, half the months come back, and the pending list is typed again.

  • Leads in one partner batch

    One DSA can drop 600 files at once. Chasing each one by hand is how they stall.

  • Credit time lost to PDFs

    Income, GST and title still need one expert. The day goes on blurry scans and missing pages.

  • Bank, GST and ITR

    The three sources rarely match on the first pass, so the credit memo is rebuilt by hand.

From the first WhatsApp to the credit memo

Start with the chase, the statement read, or the memo. It runs on your WhatsApp number and stores files with you.

  • Checklist and chase on WhatsApp

    Applicants get the list for that loan type, upload on your number, and hear the same day which page or month is missing.

  • Statements read before credit

    Bank statements, ITR and GST are checked for name, pages and odd edits. Bounces and obligations sit on the file first.

  • Credit memo for your decision

    The draft lines up KYC, banking, GST and the exceptions. Sanction, approve or reject stays with your credit team.

  • Partner files through to disbursal

    DSA and broker leads land in one pipeline by source, from the first checklist through sanction and disbursal.

We also build

  • Query sheet for the credit desk
  • Sanction follow-ups on WhatsApp
  • EMI reminders inside call hours
  • Existing EMIs from bank data
  • DSA commission by file status
  • Scorecards from your own book
  • Something else? Ask us

Every document asked for once, not four times.

A Navi Mumbai loan agency chased every applicant three or four times on WhatsApp for missing pages, while one broker partner sent 600 leads. We are mapping their DSA process so the checklist and the checks run before a person opens the file. Legal title work stays with their experts. Results are not in yet.

  1. 01A checklist for each loan type, sent on WhatsApp
  2. 02Missing pages flagged before a person opens the file
  3. 03Legal title clearance stays with their experts
  • 3–4 follow-ups per lead today
  • 600 leads from a single partner
  • 1 ask per missing document The target. Process mapping is under way. Results to follow.

From first WhatsApp to a file credit can open

  1. Map the loan desk

    A 30-minute call on lead sources, the checklist per product, and where files stall before credit.

  2. Connect your tools

    Your WhatsApp Business number, your CRM or sheets, and the folder where each loan file is stored.

  3. Pilot one product

    Live in 3 to 6 weeks on one loan type. Your team approves every credit call and every decline.

  4. Add the next workflow

    Statement reads, memos or EMI reminders, once the first workflow has earned its keep.

Credit decisions stay with your credit team

We run the chase and the draft. You keep applicant data, and every credit decision.

  • Applicants message your number

    Checklists, missing-page asks and EMI reminders go from your WhatsApp Business account, inside the hours you set.

  • Files stay in your storage

    Uploads land in your drive or CRM, one folder per file. We do not buy, sell or share applicant data.

  • People make the credit call

    Flags for missing pages, bounces or odd edits are for review. Approve, sanction and reject stay with your team.

What loan desks ask us

Will applicants really upload on WhatsApp?

Most already send documents on WhatsApp, to a person. The assistant replies on your number, names the missing page or month, and hands over when a question needs your team.

Which documents can it check?

KYC such as PAN and Aadhaar, salary slips, Form 16, ITR, GST returns, bank statements and property papers. It checks type, name, page count, dates and whether the scan can be read. Title clearance stays with your legal team.

Does it approve or reject the loan?

No. It prepares the file and a draft memo. Your credit manager approves, sanctions or rejects. A flag is not a decision.

What if a statement looks edited?

Odd edits, missing months and name mismatches are marked on the file for a person to review. The system does not decline the applicant on its own.

Can EMI reminders stay inside RBI hours?

Yes. Reminder hours, wording and stop rules are yours. For overdue loans, the RBI circular of 12 August 2022 tells regulated lenders not to call before 8:00 a.m. or after 7:00 p.m., and not to harass. We set the system to your policy. We do not give legal advice.

Where are applicant documents stored?

In your own drive or CRM, one folder per file. You decide who on your team can open it. We can log access with you. We do not give DPDP legal advice, and the lender remains responsible for applicant data.

Let's find your first workflow

Book a 30-minute call. We'll look at one live file and count the follow-ups between the first WhatsApp and the credit decision.

Book a 30-min call