Branches vs. Vendors

	Vendors	Branches

	Vendors	Branches
Info about a department	Name, address, bank details, etc.	Only name
Structure	Hierarhic: only 2 levels - Vendor & Store. Vendor has to have at least one Store	Hierarhic: from 1 to XX free levels
Users	Vendor Users Store users	Every Back-Office user, regardless of their permissions, can be linked to a branch of any level. Such a manager can be called a 'Branch manager'
Creating a loan application from Customer Portal	Vendor & Store (from this Vendor) are selected by Customer, mandatory	No selection A loan is created without linkage to a branch
Creating a loan application on Back-Office	Vendor & Store (from this Vendor) are selected by a Back-Office manager, mandatory	If a manager belongs to a branch, a loan is automatically linked to this branch If a managed doesn't belong to any branch, a loan is created without any linkage
Creating a loan application on Vendor Portal	If a Store user creates a loan, this loan is automatically linked to the corresponding Vendor & Store. If a Vendor user creates a loan, they have to select a Store of this Vendor, mandatory	-
Changing the linkage on Back-Office	+ It is possible to change Vendor & Store and remove the linkage at all	+ A manager with special permission can change a branch and remove the linkage at all
Changing the linkage on Vendor Portal	Vendor user can change the Store to another one of this Vendor. Store user cannot change anything.	-
Visibility on Back-Office	All loans are visible and can be filtered by Vendor All info is available	Branch managers can see only loans linked to their branch and the corresponding sub-branches.
Visibility on Vendor Portal	Vendor user can see only loans linked to their Vendor, no matter what Store this loan is linked to.	-
Assignment	Back-Office manager / Vendor user / Store User has to assign the loan first and only then can make any actions.	Branch manager has to assign the loan first and only then can make any actions.
Disbursement	It is allowed to disburse funds directly to the bank account of the linked Vendor or Store.	There is no way how to disburse funds to a special bank account.
Different Credit Products for different clinics	Can be configured and then auto-controlled by the system.	Not supported automatically. Branch managers can see and use all credit products registered in the system.