HR & SME Operations
Bondulu
Employee advances requested from a phone, approved automatically, and deducted from pay.
Digital Cash Advance for SMEs · Coming Soon
Core Capabilities
- 01.
Employee Self-Service
Employees request an advance from their phone, with remaining limit and history in view.
- 02.
Automatic Approval
Requests are checked against the limit and policy you set, then approved without waiting for the owner.
- 03.
Payroll Deduction
Paid advances are deducted from month-end payroll and kept in each employee's history.
Product Screens
The interfaces below illustrate how the product works. Screens are shown in Indonesian, as they are in the product. Figures, table names and batch codes are sample data, not production data.
The Problem It Solves
In many SMEs, cash advances go into a paper notebook, are asked for face to face with the owner, and are tallied up by hand at payday. Notes get lost or mis-added, approvals can take days, and there is no reliable place to see who has not settled an advance. Owners without an HR team carry all of that themselves.
Request a DemoWho It’s For
- SME owners without an HR team
- Admin or finance staff handling payroll
- Employees requesting an advance
- Businesses running multiple shifts or sites
Key Features
Automatic approval
Requests are checked against the limit and policy you set, then approved or rejected without waiting for the owner.
Automatic per-employee limits
Limits are computed from salary using a percentage you set, so no request exceeds what the employee can repay.
Paid into the employee's account
Funds go straight to the employee's bank account, with no hand-to-hand cash or one-off transfers.
Owner dashboard
Requests, statuses, and each employee's remaining balance in one view.
Automatic salary deduction
Settled advances are deducted from that month's pay and kept in the employee's history.
No manual records
The notebook and spreadsheet are replaced by a digital record protected with encryption.
How It Works
- 01The employee submits an amount and a reason in the app.
- 02The request is approved automatically against the limit and company policy.
- 03Funds land in the employee's account, then are deducted from the month-end salary.
Frequently Asked Questions
No. An advance is pay the employee has already earned. Bondulu records it, approves it, and deducts it from salary, with no interest and no instalment scheme.
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Want to See This Product in Action?
Book a demo. We’ll show how this product works in your system context and walk through licensing options.
Request a Demo