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Managing multiple loans, mortgages, leasing agreements, or credit lines across various lenders can turn into an operational headache. Small timing differences, complex interest calculations, unrecorded fees, or misallocated EMI payments can distort your balance sheet and cost your business thousands in unseen leakages.
At OBG Outsourcing Private Limited, we take the complexity out of debt tracking. Our specialized Loan Reconciliation Services bridge the gap between your internal books, bank feeds, and lender statements—ensuring every principal payment, interest charge, fee, and escrow account aligns to the exact cent.
What We Do
We handle the heavy lifting of loan account verification so your finance team can stay focused on strategic growth.
1. Principal & Interest Split Verification
Cross-referencing every EMI payment against lender amortization schedules.
Ensuring correct allocation between principal reduction and interest expense on the general ledger.
2. Loan Amortization Schedule Re-computation
Validating floating/variable rate updates and recalculating interest logic.
Identifying interest overcharges, misapplied penalty fees, or compounding errors made by lenders.
3. Multi-Lender & Multi-Entity Reconciliation
Untangling complex portfolios comprising term loans, lines of credit (LOC), equipment financing, intercompany loans, and commercial mortgages.
Consolidating loan data across parent companies, branches, and subsidiaries.
4. Discrepancy & Variance Investigation
Flagging unmatched transactions, missing bank entries, and timing mismatches.
Preparing necessary adjustment journal entries to keep your books completely audit-ready.
5. Escrow & Reserve Account Tracking
Reconciling tax, insurance, and maintenance reserve accounts tied to commercial loans.
Ensuring all lender payouts match actual disbursements and receipts.
Why Outsource Loan Reconciliation to OBG?
| Feature | In-House Team | OBG Outsourcing Private Limited |
|---|---|---|
| Cost Savings | High overheads (Salaries, Benefits, Tech) | Up to 50–60% reduction in operational expenses |
| Accuracy | Prone to manual errors during peak periods | Multi-tier quality checks ensuring 99.9% precision |
| Software Versatility | Limited by internal team skills | Native expertise in QuickBooks, Xero, NetSuite, SAP, Sage, Tally |
| Continuity | Vulnerable to staff turnover and leaves | 100% uninterrupted, scalable service execution |
Our Simple 4-Step Process
[1. Secure Ingestion] ? [2. System Matching] ? [3. Exception Audit] ? [4. Final Adjustments & Reports]
Secure Ingestion: We securely retrieve bank feeds, lender amortization schedules, and loan statements via encrypted portals.
System Matching: Our specialists cross-reference internal general ledger transactions against actual loan activity.
Exception Audit: Unmatched entries, miscalculated interest, or unrecorded processing charges are flagged and investigated.
Final Adjustments & Reports: We post recommended adjustment entries and deliver clean, comprehensive Loan Reconciliation Statements.
Data Security Assurance: Your financial security is our highest priority. OBG Outsourcing adheres to stringent global data protection protocols using encrypted transmission and restricted access environments to safeguard your debt records.
Ready to Get Your Loan Books Fully Reconciled?
Stop letting miscalculated interest or cluttered loan schedules distort your financial statements. Partner with OBG Outsourcing Private Limited today.
Software We Use
