LoanHub
Salary loans & advances
Employee loans are a common Pakistani benefit and a messy one to run on spreadsheets. LoanHub makes the policy, the approval, the disbursement, and the monthly recovery a single, auditable workflow.
Salary advances that never come back. Loan deductions that stopped when the employee got promoted and nobody updated the schedule. A tracking spreadsheet that one person owns and nobody else can read. LoanHub automates the lifecycle — application, approval, disbursement, payroll-linked deductions, closure — with balance visible to everyone who needs it.
What LoanHub does.
LoanHub administers employee salary loans, advances, and car-lease schemes with clear policies, approval workflows, and automatic monthly recoveries through PayEdge.
Separate policies for salary advances, personal loans, car lease, housing — each with eligibility, limits, tenure, and markup rules.
Grade-based approval thresholds with finance and HR sign-off; policy breach detection at the submission stage.
Approved loans disburse through PayEdge or WPS bank file — with proper accounting entries and deduction schedule creation.
Monthly instalments auto-deducted through PayEdge; early repayment and restructuring supported with recalculation.
Employee loan statements, outstanding-balance certificates, and tax treatment as per FBR — all auto-generated.
Full policy and transaction history captured for internal audit, statutory audit, and employee dispute resolution.
A LoanHub cycle, end to end.
- 1Apply
Employee applies via ESS, selects loan type, amount, and tenure; eligibility checks run automatically.
- 2Approve
Manager, HR, and finance approve through configured thresholds; loan agreement generated and signed digitally via DMS.
- 3Disburse
Approved loan disburses through next payroll cycle or via WPS bank file; deduction schedule created.
- 4Recover
Monthly instalments deduct automatically from payroll; early repayments and balance inquiries handled via ESS.
LoanHub shares data with these modules.
No data re-entry. No broken integrations. One platform, one data model.