Overview

This is the final review screen in the New Loan wizard. It provides a comprehensive summary of all the loan details you have entered across the previous steps. It is critical to carefully review all information on this page for accuracy before finalizing and creating the loan.

Special Feature: Electronic Signatures (eSign)

If your system is configured for electronic signatures (e.g., with an Allps USB terminal), you will be prompted to capture signatures after completing this screen for the following documents:

Feature	Description	Documentation
eSign Allps Mandate	Sign the Allps mandate electronically with the Allps terminal	eSign Mandate
eSign Loan Agreement	Sign the Loan Agreement electronically with the Allps terminal	eSign Loan Agreement
eSign Insurance	Sign the Insurance document electronically with the Allps terminal	eSign Insurance
eSign Budget	Sign the Budget electronically with the Allps terminal	eSign Budget

Navigation

This is the final screen in the New Loan wizard.

1. Navigate to Client Administration > Search for Existing Client.
2. Select the desired client and click New Loan.
3. Proceed through all previous steps of the wizard.

Understanding the Summary Page

The summary is broken down into several sections for clarity.

TRANSACTION

• Payment to Client: Specifies how the loan capital will be paid to the client (e.g., Cash, EFT, RTC).
• Reference Number: The reference number for the transaction in the General Ledger.
• Transaction Date: The date of the transaction. This will default to the Agreement Date but can be changed if you have the necessary permissions.
• Application Date: The date the client applied for the loan.
• Agreement Date: The date the client signed the loan agreement.
• Cashbox Available: Displays the current available balance in the selected cashbox.

COST OF CREDIT

• Interest Amount: The total interest charged over the loan term.
• Total Initiation Fee: The total initiation fee, including VAT if applicable.
• Total Monthly Service Fee: The sum of all monthly service fees for the loan term, including VAT if applicable.
• Total Administration Fee: The total administration fee charged.
• Total Preparation of Business Plan Fee: The total fee for business plan preparation.
• Total Cost of Credit Charged: The sum of the principal loan amount plus all applicable fees and interest.
• Annual Rate of Total Credit: The automatically calculated annual interest rate, including all costs.
• Credit Cost Multiple: An automatically calculated value representing the total cost of credit as a multiple of the principal loan amount.

INSTALMENT

• First Instalment Agreed Date: The due date for the first repayment.
• First Instalment Agreed Amount: The amount of the first repayment.
• Instalment Amount: The standard amount for subsequent repayments.
• Final Instalment Agreed Date: The due date for the final repayment.
• Final Instalment Amount: The amount of the final repayment, which may differ due to rounding.

LOAN TOTALS

• Loan Amount: The principal capital amount borrowed by the client.
• Number of Interest Periods: The total number of periods (e.g., months) over which the loan will be repaid.
• Loan Total: The total amount of all repayments (Principal + Fees + Interest).
• Credit Control Amount: The maximum amount the client is permitted to borrow based on credit control setups. An error will be displayed here if the loan exceeds this limit.
• Payout to 3rd Party: The total amount being paid to third-party beneficiaries from the loan.
• Payout to Client: The final net amount that will be paid directly to the client.

CREDIT PROTECTION INSURANCE

• Service Provider: The name of the insurance provider (e.g., ASPIS).
• Product: The name of the specific insurance product (e.g., Ashphile).
• Total Credit Protection Insurance Premiums: The total cost of the insurance premiums for the loan term.

MAXUP

• MAXUP Total Products: The total value of any MAXUP products added.
• MAXUP Total Monthly Fee: The total monthly fee for any MAXUP products.

MAXCOLLECT PARAMETERS

• Preferred Bank Account: The client's bank account designated for collection.
• Preferred CSP: The Collection Service Provider used for repayments (e.g., Real Pay).
• Preferred CSP Setup: The specific collection method being used (e.g., Real Pay EnDO).
• Action Time: The time of day the collection will be processed.
• Tracking: The number of days the CSP will track the account for funds.

WORKFLOW

• Workflow Status: Can be changed to Reject Override or Approved Override if you have the necessary permissions.
• Workflow Override Reason: A mandatory field if the workflow status is overridden.

RECORD DETAILS (Audit Trail)

This section displays non-editable, system-generated information for tracking and auditing purposes.

• Id: The unique Loan Transaction ID.
• Import Date / Original Loan Number: Applies only to imported loan agreements.
• Record Date/Time/User: Who created the loan and when.
• Update Date/Time/User: Who last updated the loan and when.

Common Errors on this Screen

• "The Promissory Note Could not be created. Invalid Bank Branch Code": This Allps integration error indicates an incorrect branch code in the client's banking details. You must go back to the client's profile and correct it.
• Errors with Special Characters: If a client's name contains special characters (e.g., é, ç), it may cause an error when registering a NAEDO instruction.

Available Actions (Buttons)

• Finish: Click this button to save all information and formally create the loan in the system.
• TechnoMetrix Loan Validation: Proceeds to the TechnoMetrix OTP validation screen.
• Back: Returns to the previous step of the wizard.
• Cancel: Exits the New Loan wizard without saving. No loan will be created.