Full Loan Lifecycle Management
From initial application to final payoff, manage every phase of the loan lifecycle with clear status transitions and audit logs.
From application to payoffFor lenders in Uganda & East Africa
A clear view.
A stronger loan book.
14 days, every feature. No credit card required.
Keep borrowers, loans, and repayments in one connected workspace. Give your team the clarity to move from disbursement to collection with confidence.
- Clear borrower records
- Automated repayment schedules
- Real-time portfolio visibility
Built around
the way you lend.
- Private lenders
- Microfinance institutions
- Credit groups & SACCOs
- Multi-branch teams
A more connected
way to lend.
Give every loan a clear path. Configure your terms, bring your team together, and keep collections in view.
Create Your Organization
Set up your lending entity, define team member roles (Loan Officers, Managers, Auditors), and configure your organization settings in minutes.
Configure Loan Products
Define custom loan plans with your choice of flat rate or reducing balance calculations, repayment intervals, late penalties, and term durations.
Disburse & Collect Fast
Register borrowers, issue loans, auto-generate installment schedules, and log repayments in real-time with automated collection tracking.
The details matter.
Keep them connected.
Purpose-built tools for the borrowers you serve, the terms you set, and the repayments you collect.
Explore the platformReducing Balance & Flat Rate Calculations
Accurate financial math built for East African lending norms. Support both flat interest and reducing balance amortization.
Borrower CRM & KYC Identification
Complete borrower profiles with contact details, national ID/NIN, employment info, and comprehensive borrowing history.
Multi-Branch & Multi-Tenant Organizations
Run multiple branches or independent lending entities from a single dashboard with strict data isolation.
Multi-Channel Collections & Mobile Money
Record and reconcile repayments across MTN Mobile Money, Airtel Money, bank transfers, and cash collections.
Portfolio Health & PAR Analytics
Real-time intelligence on your portfolio at risk (PAR), collection efficiency, expected cash flows, and interest yield.
In their business.
In their own words.
The teams keeping their lending operations connected with Credit-Nest.
“Credit-Nest replaced three spreadsheets and a notebook. We now know exactly what every borrower owes and when. The collections team and field officers love it.”
“The installment schedule automation alone saved us 15 hours every week. Our field officers pull up any loan on their mobile devices and record cash or Airtel Money payments instantly.”
“Finally a software platform that understands reducing balance interest calculations correctly. It matched our audited records 100%. We expanded to 4 branches with ease.”
One plan.
Room to grow.
Every core tool for your lending operation, with clear monthly pricing as your team grows.
See everything includedPro Lender
UGX 30,000/ month
Per organization. Includes 3 team seats.
Additional seats: UGX 10,000 per member / month.
- Unlimited active loans & disbursements
- Unlimited borrower profiles & KYC docs
- Multi-tenant branch & organization support
- Role-based access & permissions (RBAC)
No credit card. No setup fee.
How does the 14-day free trial work?
You get 14 full days to test every feature of Credit-Nest with no restrictions. No credit card or upfront payment is required. At the end of the trial, you can choose to activate your subscription for UGX 30,000/month or your account remains paused—your data is never deleted.
Can I manage multiple branches or lending entities?
Yes. Credit-Nest is built from the ground up for multi-tenancy. You can create multiple organizations (branches or distinct lending businesses) under a single login and assign specific staff members and permissions to each.
What interest calculation methods are supported?
We support both Flat Rate and Reducing Balance (declining balance) interest calculation formulas. You can set this per loan product plan, and the platform will automatically generate exact amortization installment schedules.
How are Mobile Money repayments recorded?
Staff or borrowers can record payments made via MTN Mobile Money, Airtel Money, bank transfer, or cash. Each transaction records reference numbers and automatically updates the loan ledger and remaining balance.
Is our borrower data secure and backed up?
Yes. Credit-Nest uses enterprise-grade encrypted databases on Neon and Cloudflare edge infrastructure. Data is encrypted in transit (TLS 1.3) and at rest (AES-256) with automated backups and strict tenant isolation.
Can we export data for auditing or tax reports?
Yes. You can export loan statements, repayment histories, borrower files, and portfolio performance metrics to Excel (CSV) and PDF at any time.
Put your next loan
on firmer ground.
Bring your borrowers, repayments, and portfolio together.
Start free trial
14 days free. No credit card required.