Replace the spreadsheet, the email chain and the manual tracking. Employees apply through their portal, the system checks your policy, an authorised approver signs off, and repayments auto-deduct from net pay every cycle until the balance is zero. Every step audit-trailed.
Set the rules once — minimum tenure, maximum amount, maximum term, maximum debt-to-income — and TaviPay applies them automatically to every application. No more "I'll just approve this one."
Employees apply from the TaviPay app on their phone. Amount, purpose, repayment plan — submitted in under a minute. No paper forms, no chasing HR, no awkward in-person conversations.
Routed to the right approver — line manager, HR, finance — based on amount thresholds you define. Each step recorded with timestamp, user and IP. Re-routing and decline reasons captured.
Once approved, repayments lock onto every pay run automatically — no manual entry, no missed cycles. Each deduction is itemised on the payslip. Balance updates in real time on the employee app.
Every staff loan moves through the same four-stage flow. Each stage has its own audit trail entry. Nothing slips through the cracks.
Through the TaviPay app: amount, purpose, preferred repayment plan. The system checks your policy in real time and tells the employee if they're eligible before they submit.
Routed to the right approver based on amount — line manager, HR, finance director. Approver sees full context: tenure, salary, current loan balance, prior history. Approve, decline or request more info.
Once approved, the loan is paid out (next pay run or off-cycle) and the repayment schedule locks in. The employee sees the full schedule on their app — what they'll repay, when, and the running balance.
Each pay run pulls the scheduled deduction automatically. When the balance hits zero, the loan auto-closes — and the employee gets a "loan paid off" notification on their app.
| Employee | Purpose | Principal | Outstanding | Per period | Status |
|---|---|---|---|---|---|
| Anonymised, A. | School fees | FJD 1,200.00 | FJD 480.00 | FJD 60.00 | Active |
| Anonymised, B. | Medical | FJD 2,500.00 | FJD 1,750.00 | FJD 75.00 | Active |
| Anonymised, C. | Home repair | FJD 800.00 | FJD 800.00 | FJD 50.00 | Pending |
| Anonymised, D. | Vehicle deposit | FJD 3,000.00 | FJD 0.00 | — | ✓ Paid off |
Set your rules once in admin settings. TaviPay applies them to every application — no more case-by-case judgement calls or "we made an exception" conversations.
"Employee must have been with the company for at least 6 months." Probation employees auto-blocked. Tenure is calculated against the start date on the Employee Card.
Cap by absolute amount, by multiple of monthly salary, or both — whichever is lower. Different tiers per role or department.
Limit how long a loan can be repaid over (e.g. 12 months max). Prevents loans from outliving the contract or fortnightly affordability constraints.
Hard floor on remaining net pay after deductions — typically 50% of gross. Prevents a loan deduction from leaving an employee with nothing in their bank.
Optional: block a new application if a previous loan is still outstanding. Or allow stacking up to a combined cap. Configurable per role.
Loans up to FJD 500: line manager. FJD 500–2,000: HR. Above FJD 2,000: finance director. Approval routing is fully configurable and audit-tracked.
Full register: every loan, every employee, original principal, current outstanding, repayment schedule, status. Export to CSV or PDF for audit, board reports or finance reconciliation.
If an employee leaves with an outstanding balance, TaviPay flags it on the offboarding workflow. Settle from final pay, write-off, or carry forward — finance decides, system records.
Loan disbursements, repayments and balances flow into the accounting ledger export — debit advances, credit collections — so your finance team can reconcile against the bank without a calculator.
