Tonuvo — Your work, organised

What Tonuvo is — and why it exists

Tonuvo is a unified workflow + finance + payroll platform for service-led businesses. Most growing SMBs juggle five tools to deliver one project: WhatsApp/chat for client updates, Excel for tasks, Tally for invoices, a separate payroll service, and email for approvals. Things fall through the cracks — missed approvals, lost expense bills, untracked field visits, late payments. Tonuvo collapses all of it into one product that the owner, the field employee, and the client each access through their own app.

The engine is a configurable workflow — every project moves through stages you define (Booking → Shoot → Editing → Delivery, or Sample → Bulk → QC → Ship, or Consult → Treatment → Follow-up). Each stage has tasks, subtasks, assignees, photo & GPS proof, and optional client-approval gates. Finance and payroll are wired to the same projects, so an invoice auto-bills against work delivered, and an employee's payroll reflects actual attendance.

Configurable Workflows

Define stages once per business type, reuse across every project.

📍

GPS + Photo Proof

Field staff check in at the customer site — no more fake "I'm there".

✓

Client Approval Gates

Customers sign off on stages from their own app, no email back-and-forth.

₹

Invoicing & UPI

Advances, balances, e-invoice PDFs, UPI collection — built in.

Payroll & Leave

Salary configs, deductions, leave types, monthly payslips.

🔐

RBAC by Default

Owner / Manager / Employee / Client roles, plus 43 fine-grained permissions.

🏢

Multi-tenant by Design

Every workspace is isolated at the database level — RLS on every row.

📱

Web + Mobile

Owner web dashboard, employee + client mobile apps, super-admin panel.

Subscription tiers

Basic

₹0 / month

2 projects · 3 employees · 5 clients
5 workflow stages
Custom branding
RBAC included
No finance · No payroll

Premium

₹499 / month

15 projects · 10 employees · 50 clients
10 workflow stages
+ Payroll module
Custom branding · RBAC

Pro

₹1,299 / month

Unlimited projects, employees, clients
20 workflow stages
+ Finance (invoices, expenses)
+ Payroll · Branding · RBAC

Enterprise

₹4,000 / month

Truly unlimited (incl. workflow stages)
+ API access
Dedicated tenant schema (roadmap)
All Pro features included

Small business profile — 1 to 15 employees, single location, owner-operator model. Below are 3 reference scenarios — one per plan tier (Basic / Premium / Pro). Each demonstrates a different workflow mode (Sequential / Dependent / Orderless), auto-created default subtasks, RBAC configuration, payroll & invoicing where applicable, and what every user sees in their app. Click any business to expand.

1. CoolFix Home Services

Team: Owner-tech + 1 helper Volume: 5–10 service calls/week Workflow: Sequential

Basic — ₹0/mo ▼

Profile

CoolFix is a one-man AC + plumbing repair shop. Owner Suresh started solo and hired a helper. Books calls on phone, reaches the customer site, fixes the issue, collects UPI on spot. Two active tickets at a time, ~30 closed tickets a month.

Pain points before Tonuvo: Forgets follow-ups · Customers dispute "did you actually come?" · No record of which parts were used · WhatsApp screenshots as invoices.

Plan caps used

Active tickets

2 / 2

Employees

1 / 3

Clients

2 / 5

Workflow stages

5 / 5

Payroll

— off —

Finance

— off —

Features in use

✓ Workflow Builder · ✓ RBAC · ✓ GPS check-in · ✓ Photo proof · ✓ Client portal · ✓ Custom branding

Service Call workflow — Sequential

Sequential

Each stage gates the next — Service can't start until Dispatch is complete. Built once via the Workflow Builder, reused for every service ticket.

1Booking→ 2Dispatch GPS→ 3Service→ 4Billing→ 5Follow-up

Default subtask (auto-created with every project)

On the Dispatch stage, the task "On-site visit" auto-creates a default subtask GPS check-in at customer location the moment a new project (service ticket) is created. The technician must complete this subtask before they can advance the stage — that's how proof-of-presence is enforced.

Sample project

"Service Ticket #SR-882 — AC Not Cooling, Mr. Wilson's Apartment"

Stage	Task	Subtasks
Booking	Slot confirmation	Call disposition · Tech assigned to Omar · SMS to customer
Dispatch	On-site visit	GPS check-in at customer location · Pre-service photo of indoor unit · Diagnosis note
Service	Repair & gas refill	Replace capacitor (₹450) · Gas top-up · Post-service photo · Customer signature
Billing	On-spot UPI invoice	Generate invoice · UPI QR shown · Mark paid
Follow-up	7-day callback	Satisfaction call · Add to AMC pipeline if interested

+ Add tasks anytime mid-job. Halfway through service Suresh finds a corroded wire — he taps "+ Add task" and creates "Order replacement compressor cable" for himself. Appears instantly on his phone and on the customer's tracking screen. Workflow stages are templates; tasks are dynamic per project.

Users & access

User	Base role	Custom roles	Groups	Effective permissions
Suresh Kumar studio owner	Owner	—	Full Access	Every non-client permission. Cannot be deactivated.
Omar Khan helper / technician	Employee	—	All Employees	tasks.view_assigned · tasks.advance · expenses.submit · attendance.self · leave.request
Mr. Wilson customer	Client	—	—	client.view_own_project · client.approve_tasks · client.message_studio · client.view_own_invoice

Basic plan keeps RBAC minimal — owner + baseline employees + clients. No custom roles or groups created. Sufficient for ~3 person teams.

What each user sees in their app

Suresh — Web Dashboard

studio owner

All 2 active tickets on Kanban
Team management (Omar)
Customer list
Workflow builder
Branding & subscription

Omar — Mobile

helper / technician

Today's assigned tasks only
Tap → GPS check-in
Camera attach for photo proof
Submit expense (parts)
Team chat

Cannot: see other tickets, see invoice amounts, manage team.

Mr. Wilson — Client Mobile

customer

His ticket only — current stage
Stage timeline (live)
Chat with Suresh
Invoice + UPI pay button

Cannot: see other customers, see staff details.

2. Silk & Stitch Boutique

Team: Master tailor + 2 karigars + 1 reception Volume: 30–50 active orders/month Workflow: Dependent

Premium — ₹499/mo ▼

Profile

Silk & Stitch is a downtown boutique run by master tailor Anjali. Two daily-wage karigars (Ravi, Yusuf) handle embroidery and stitching. Reception (Emma) doubles as HR — manages payroll and customer pickup notifications. ~40 orders in production at any time during wedding season.

Pain points before Tonuvo: Daily-wage attendance kept in a register · No record of which karigar worked on which order · Customer fittings missed · Slips handwritten · Cash advances forgotten.

Plan caps used

Active orders

12 / 15

Employees

3 / 10

Clients

28 / 50

Workflow stages

6 / 10

Payroll

✓ on

Finance

— off —

Why upgraded from Basic

Daily-wage karigar payroll was the trigger. Anjali was paying Ravi and Yusuf in cash against a register; mistakes caused friction. Premium adds the Payroll module — attendance → daily-rate calc → monthly slip → leave management. The ₹499/mo paid for itself the first time it caught a ₹2,000 calculation error.

Tailoring workflow — Dependent

Dependent (explicit deps)

Each stage explicitly declares what it depends on. Embroidery cannot start until Cutting is done. Fittings is a client-approval gate — the customer must approve in their app before Delivery can start.

1Order intake→ 2Procurement→ 3Cutting→ 4Embroidery→ 5Fittings CLIENT ✓→ 6Delivery

Default subtask (auto-created)

On the Order intake stage, task "Measurement & design lock" auto-creates Capture measurements + customer fabric choice. Anjali can't advance to Procurement until this subtask is marked done — eliminates lost measurement sheets.

Sample project

"Order #2207 — Mrs. Wilson's Wedding Lehenga (Royal Maroon, Zardozi)"

Stage	Task	Subtasks
Order intake	Measurement & design lock	Capture measurements + fabric choice · Mood-board approval · 50% advance noted
Procurement	Source raw silk + zardozi	Vendor PO to Imperial Silks · Inwards photo · Vendor expense submitted by Emma
Cutting	Master cutter — pattern	Pattern made (Anjali) · Fabric cut · Photo of cut pieces
Embroidery	Karigar handwork	Bodice work — Ravi (3 days) · Dupatta — Yusuf (2 days) · Daily progress photo
Fittings	Trial 1 with Mrs. Wilson	Customer visit scheduled · Fit photos · Alterations · Customer approval gate
Delivery	Packing & balance	Final packing · Balance ₹35k UPI · Mark paid

+ Add ad-hoc tasks. Mid-procurement Anjali realises she needs more zardozi thread — adds task "Order extra zardozi (gold) — Imperial Silks" assigned to Emma. Doesn't disturb workflow stages, just adds a task to this one project.

Users & access

User	Base role	Custom roles	Groups	Effective permissions
Anjali master tailor / owner	Owner	—	Full Access	Every non-client permission. Owner.
Ravi karigar (daily wage)	Employee	—	All Employees	tasks.view_assigned · tasks.advance · attendance.self · leave.request · payroll.view_own
Yusuf karigar (daily wage)	Employee	—	All Employees	Same as Ravi · sees own daily-wage tally + payslips
Emma reception / HR	Employee	hr_manager	All Employees HR Team	+ payroll.manage · attendance.manage · leave.approve · holidays.manage · team.view · team.edit
Mrs. Wilson customer	Client	—	—	client.view_own_project · client.approve_tasks · client.message_studio

RBAC pattern: Anjali assigned the hr_manager system role + HR Team group to Emma — done in 2 clicks via Settings → Team → Manage Access. Now Emma sees the Approvals tab on her mobile (because leave.approve) and can run payroll without being given full owner access.

What each user sees

Anjali — Web

owner

All 12 active orders
Workflow builder · 1 template
Payroll dashboard (read all)
Team mgmt + Manage Access
Branding · plan

Ravi / Yusuf — Mobile

karigars

My assigned embroidery tasks
Mark daily attendance
My payslips (view own)
Apply for leave

Cannot: see other karigar's payslip, approve leaves, see invoices.

Emma — Mobile (HR Manager)

reception + hr_manager role

Approvals tab visible (leave + expense)
Payroll tab — generate, approve slips
Team list (view + edit)
Holiday calendar

Mrs. Wilson — Client Mobile

customer

Order #2207 progress
Fitting approval button
Chat with Anjali

Salary configurations

Ravi daily-rate

Daily rate ₹1,400

Days worked (May) 22

Gross ₹30,800

Deductions —

Net pay (May 2026)₹30,800

Yusuf daily-rate

Daily rate ₹1,200

Days worked (May) 20

Gross ₹24,000

Cash advance – ₹500

Net pay (May 2026)₹23,500

Emma fixed

Base salary ₹22,000

PF – ₹2,640

Net pay (May 2026)₹19,360

Leave management

Leave types seeded: Earned Leave (12/yr), Sick Leave (8/yr), Casual Leave (6/yr).

Sample request: Yusuf applies for 3 days Casual Leave → Emma sees pending request in her Approvals tab → approves with one tap → Yusuf's daily-wage payroll for that month auto-excludes the unpaid days.

Monthly run flow

1. Emma taps Generate payroll for May 2026 → 2. System fetches attendance + leave + deductions → 3. 3 slips drafted → 4. Anjali reviews + approves → 5. Emma marks each as Paid after UPI/cash transfer → 6. Each employee receives their slip in the mobile app.

3. Aperture Wedding Photography

Team: Lead + 2 assts + freelance editor + studio mgr Volume: 30–60 weddings/year Workflow: Orderless w/ deps

Pro — ₹1,299/mo ▼

Profile

Aperture is a 5-person destination wedding photography studio. Lead photographer Vikram (owner) shoots weddings end-to-end with assistants Karan and Sara, outsources editing to freelancer Olivia, and has studio manager Aisha handle invoices, expenses and bookings. ~45 weddings/year averaging ₹3.5 lakh per project.

Pain points before Tonuvo: Couples chase for advance receipts · Editing decks shared on WhatsApp lost · Olivia's freelancer fee tracked in a notebook · Drone hire and travel expenses unreimbursed for months.

Plan caps used (Pro = unlimited)

Active weddings

Employees

Clients

Workflow stages

6 / 20

Payroll

✓ on

Finance

✓ on

Why Pro and not Premium

Wedding billing is 30% advance + 70% balance with multiple expense passes (drone hire, location permits, freelancer editor fee). The Finance module — invoice templates, advance tracking, expense approvals — is what tipped Aperture from Premium to Pro. Pro also removes the project cap, so a 60-wedding year never runs out of slots.

Wedding workflow — Orderless with dependencies

Orderless w/ deps

Stages can run concurrently — Pre-shoot and Booking can overlap, post-production can start while album cover is still being approved. Only declared dependencies block.

1Booking↗ 2Pre-shoot↘ 3Wedding day GPS→ 4Post-production→ 5Album CLIENT ✓→ 6Final Delivery

Default subtask (auto-created)

On the Booking stage, task "Sign contract & collect 30% advance" auto-creates Send contract PDF for client e-sign. Aisha can't mark Booking complete until the contract subtask is checked off — no project ever moves to Pre-shoot without a signed contract on file.

Sample project

"Aarav & Meera Wedding — Dec 2026, Beachfront Resort + Coastal Reception"

Stage	Task	Subtasks
Booking	Sign contract & collect 30% advance	Send contract PDF for e-sign · Record advance ₹1,05,000 · Confirm dates
Pre-shoot	Pre-wedding shoot at the coast	Scout location · Pack gear · GPS check-in on arrival · Upload sample shots for client
Wedding day	Wedding-day coverage	Lead (Vikram) GPS check-in · Karan B-roll · Sara candids · Backup all SD cards
Post-production	Cull & edit	Cull 4,000 → 600 (Olivia) · Color-grade hero set · Client preview gallery
Album	Album design & client approval	Layout v1 · Client sees in app · Approval gate · Apply revisions · Order print
Final Delivery	Handover + balance	Pendrive + cloud link · Generate balance invoice ₹2,45,000 · UPI collected · Feedback

+ Ad-hoc tasks added mid-project. Couple requests a 60-second highlight reel for Instagram. Aisha adds task "Special social-media reel — vertical 9:16 cut", assigns to Olivia with an extra ₹15,000 expense pre-approved.

Users & access

User	Base role	Custom roles	Groups	Effective permissions
Vikram lead photographer / owner	Owner	—	Full Access	Every non-client permission. Owner.
Karan senior asst photographer	Employee	Senior Assistant	All Employees Wedding Squad	+ tasks.assign · tasks.advance_any · tasks.view_all · projects.view_all (cloned from project_manager, trimmed)
Sara junior asst photographer	Employee	—	All Employees Wedding Squad	tasks.view_assigned · tasks.advance · expenses.submit (baseline)
Olivia freelance editor	Employee	—	All Employees	Baseline only — sees only assigned editing tasks
Aisha studio manager	Employee	finance_manager hr_manager	All Employees Finance Team HR Team	+ finance.* · expenses.approve · payroll.manage · attendance.manage · leave.approve · team.view
Aarav (couple) customer	Client	—	—	client.view_own_project · client.approve_tasks · client.message · client.view_own_invoice

Custom role + custom group used:
• Senior Assistant — cloned from project_manager, kept tasks.assign + tasks.advance_any, removed team.manage_roles. Lets Karan reshuffle assignments on shoot day without giving him team-management power.
• Wedding Squad — custom group containing Karan + Sara, attached to Project Team role. One toggle adds/removes both from project-level operations.

What each user sees

Vikram — Web

owner / lead photographer

All 8 active weddings
Full finance + payroll dashboards
Workflow builder
Team + Manage Access + Roles + Groups (4 sub-tabs)
Subscription + branding

Karan — Mobile (Senior Asst)

+ Senior Assistant custom role

All projects (view_all)
Reassign tasks on the fly
Advance any stage (advance_any)
His own payslips

Cannot: create roles, manage payroll, see invoice amounts.

Sara / Olivia — Mobile

junior asst / freelance editor

Only their assigned tasks
GPS check-in (Sara shoot day)
Submit expense (drone, fuel)
View own payslips / invoices

Aisha — Mobile (Finance + HR)

studio manager

Approvals tab — expense + leave
Payroll tab — generate + approve
Finance dashboard
All invoices, advances, expenses

Cannot: assign photographer to a wedding (no projects.manage_members), modify workflow.

Aarav — Client Mobile

customer

His wedding's stage timeline
Album approval button
Chat with studio
Invoice — paid ₹1.05L · balance ₹2.45L

Salary configurations

Karan fixed

Base salary ₹35,000

PF – ₹4,200

ESI – ₹1,575

Net (May)₹29,225

Sara fixed

Base salary ₹28,000

PF – ₹3,360

Net (May)₹24,640

Aisha fixed

Base salary ₹40,000

PF – ₹4,800

Net (May)₹35,200

Olivia freelance — not on payroll

Paid via expense reimbursement per project

Last project (Aarav wedding) ₹35,000

Tracked under Expenses, not Payroll—

Leave management

Aisha (hr_manager role) approves Karan's 2-day Earned Leave for a personal trip via the Approvals tab. Karan's payslip auto-reflects no impact (paid leave under quota).

Invoice template

One template seeded: "Wedding Photography — 30% advance + 70% balance". Used for every wedding project. Auto-fills client name, project name, GST, studio branding, UPI ID.

Sample invoice — Aarav & Meera

INV-2026-0044

Aarav & Meera Wedding — Full Coverage

Partially Paid

Wedding-day coverage (2 days)₹2,00,000

Pre-wedding shoot (Coast)₹50,000

Album design & printing₹50,000

Post-production & edit₹50,000

Total₹3,50,000

Advance received (booking)– ₹1,05,000

Balance due (on delivery)₹2,45,000

Project expenses

Drone hire approved

Submitted by Karan

Amount ₹5,000

Approved by Aisha (finance_manager)

Location permit (Resort) approved

Submitted by Aisha

Amount ₹3,000

Olivia — freelance fee approved

Submitted by Aisha

Amount ₹35,000

Approved by Vikram (owner)

Finance dashboard snapshot

Revenue (FY)

₹1.62 Cr

Collected

₹1.41 Cr

Outstanding

₹21 L

Expenses (FY)

₹38 L

Net

₹1.03 Cr

Mid-size business profile — 15 to 200 employees, multi-team or multi-branch, partners or managers handling delegation. They've outgrown a free tool, need real RBAC, and want finance + payroll in one place. Most fit on Pro (₹1,299).

1. Custom Software Development Agency

Team: 30–200 (PM + dev + design + QA + freelancers) Concurrent clients: 8–25 Need: client UAT gates, milestone billing, freelancer payouts

Recommended: Pro ₹1,299

Sample project: “Acme Logistics — Driver App v2”

Stage	Task	Subtasks
Discovery	Requirements workshop	Stakeholder interviews · BRD · Client sign-off
Design	UX wireframes + UI	Wireframes · Design review · Figma in attachments · Client approval
Sprint 1	Auth + onboarding	Backend API · Mobile screen · Code review · QA cases
Sprint 2	Trip lifecycle	Backend (dev A) · Mobile (dev B) · QA gated by completion
UAT	Client UAT	Deploy staging · Bug log subtasks · Client signs off
Release	Go-live	Release checklist · Final milestone invoice · Handover docs
Ops	Team payroll & freelancer payouts	Payroll · PF/PT · Freelancer expense approval

Why Pro: unlimited active projects, full finance for milestone billing & freelancer expenses, payroll for staff.

2. Diagnostic Lab Chain

Team: 50–300 (phlebotomists + lab tech + pathologists + reception) Tests/day: 200–2,000 Need: sample tracking, pathologist sign-off, branch payroll

Recommended: Pro ₹1,299

Sample project: “Order #88421 — Sharma Family Full Body Checkup”

Stage	Task	Subtasks
Booking	Slot & instructions	SMS link · Fasting note · Phlebotomist assigned
Collection	Home sample pickup	GPS check-in · Vial barcode photo · Patient consent
Logistics	Cold-chain transport	Pickup from van · Temp log · Lab receipt
Processing	CBC, lipid, thyroid	Hematology · Biochemistry · Hormone · QC checks
Reporting	Pathologist sign-off	Draft report · Pathologist review (approval gate) · Upload PDF to portal
Billing	Invoice + insurance	Insurance vs self-pay · Mark paid

Why Pro: unlimited test orders, branch-level payroll for phlebotomists, finance for insurance billing splits.

3. Chartered Accountant / Audit Firm

Team: 30–200 (partners + managers + articles) Active files: 100–800 per cycle Need: standardised compliance pipelines, partner approval, retainer billing

Recommended: Pro ₹1,299

Sample project: “Patel Industries — FY26 Statutory Audit”

Stage	Task	Subtasks
Engagement	Engagement letter	Scope doc · Engagement signed · 25% advance
Planning	Risk & allocation	Manager assigned · Articles assigned · Audit plan partner-approved
Fieldwork	Vouching & ledger	Bank recon · Sales sample · Stock verification (GPS check-in at warehouse)
Reporting	Draft report	Observations · MR letter · Partner approval gate
Compliance	Tax filings	Form 3CA/3CD · ITR · Acknowledgement uploaded
Final	Signed report & balance	Final report · 75% balance invoice · Mark paid

Why Pro: hundreds of files (unlimited tier), articles' stipend payroll, full retainer + advance billing.

4. Multi-branch Apparel / Lifestyle Retail Chain

Team: 50–300 across 5–25 branches Custom orders/mo: 500–3,000 Need: store SOPs, alteration pipeline, branch payroll, incentives

Recommended: Pro ₹1,299

Sample project: “Downtown Flagship — Holiday Week Ops”

Stage	Task	Subtasks
Pre-sale	Store readiness	Visual merchandising photo · Stock transfer · Discount tags · Mannequin styling
Daily ops	Morning opening	Manager GPS check-in · Cash float · POS sync · Window photo
Custom orders	Per-customer pipeline	Measurements · Tailor assigned · Stitching · Pickup notify
Returns	Exchange handling	Reason logged · Restock · Manager approval
Closing	EOD reconciliation	Cash + UPI tally · CCTV review · Discrepancy approval
Branch HR	Monthly payroll	Sales target incentives · OT during sale · Branch-wise slips

Why Pro: 5+ branches × 10+ staff each = unlimited tier needed; finance for branch P&L; payroll for incentive calc.

5. Garment Manufacturing Unit

Team: 50–200 operators + supervisors Active POs: 10–40 buyers Need: sample-to-ship workflow, buyer approval, piece-rate payroll

Recommended: Pro ₹1,299

Sample project: “Lifestyle Intl — PO #2207, 8,000 pcs Kurta Set”

Stage	Task	Subtasks
Sampling	Fit + PP sample	Pattern · Sew sample · Photoshoot · Buyer approval
Sourcing	Fabric & trims	Mill PO · Lab dip approval · Inwards QC photo
Cutting	Bulk cut	Marker · Spread · Cut · Wastage report
Stitching	Line allocation	Line A — top · Line B — bottom · Daily output · Operator attendance
QC	Inline + final AQL	4-point inline · AQL 2.5 · Buyer QA visit (GPS) · Rework
Dispatch	Shipment	E-way bill · BL upload · Final invoice
Payroll	Weekly wages	Piece-rate calc · OT · PF/ESI · Cash advance deduction

Why Pro: 100+ operators, complex piece-rate payroll, finance for buyer LCs and balance billing.

6. Multi-specialty Polyclinic / Dental Chain

Team: 30–200 across 3–15 clinics Patients/mo: 2,000–15,000 Need: treatment-plan workflow, doctor revenue-share, branch payroll

Recommended: Pro ₹1,299

Sample project: “Patient #P-4421 — Mrs. Reddy: Root Canal + Crown”

Stage	Task	Subtasks
Consultation	First consult	Front desk · OPD card · Doctor notes · X-ray photo
Plan	Treatment-plan approval	Cost estimate · Patient approval via portal · 30% advance
Diagnostics	Pre-procedure tests	Blood test order · Lab outsourcing expense · Reports uploaded
Procedure	Multi-visit treatment	Visit 1 · Visit 2 · Procedure photos · Senior dentist QC
Crown	Lab work + cementation	Impression · Crown · Bite approval
Follow-up	Recall & balance	Recall SMS · Closing report · Balance invoice
Payroll	Doctor + staff payroll	Doctor revenue-share · Assistant salary · Receptionist incentive · PF/ESI

Why Pro: doctor revenue-share is custom payroll logic; finance for insurance + multi-visit billing; multi-branch needs unlimited.

Large / Enterprise profile — 200+ employees, partner ecosystems, or specific enterprise verticals (audit, vendor mgmt). At this scale Tonuvo serves either a partner network (each partner = a tenant), a captive vertical within the enterprise, or the enterprise itself via dedicated tenant schema. Plan: Enterprise (₹4,000) for API access & unlimited workflow stages.

1. Tier-1 Bank — DSA / Loan Origination Network

Footprint: 1,000+ DSA offices, 10,000+ field agents Loans/mo: 50,000+ files Need: KYC pipeline, FI proof, agent payroll, bank API