Everything you need to run a modern lending operation
Built specifically for microfinance institutions, SACCOs, and private money lenders in Uganda and across East Africa.
Full Loan Lifecycle Management
From initial application to final payoff, manage every phase of the loan lifecycle with clear status transitions and audit logs.
- Draft, active, completed, defaulted, and written-off states
- Configurable disbursement channels (Cash, Bank, Mobile Money)
- Guarantor details and collateral attachment per loan
- One-click loan approval and disbursement workflows
Reducing Balance & Flat Rate Calculations
Accurate financial math built for East African lending norms. Support both flat interest and reducing balance amortization.
- Flat rate interest calculation per term
- Reducing balance with compound or simple interest
- Daily, weekly, bi-weekly, monthly, quarterly & yearly terms
- Auto-generated installment schedules with principal/interest split
Borrower CRM & KYC Identification
Complete borrower profiles with contact details, national ID/NIN, employment info, and comprehensive borrowing history.
- National ID / NIN and passport record keeping
- Next-of-kin and emergency contact management
- Full repayment track record and credit scoring signals
- Notes, file attachments, and communication history
Multi-Branch & Multi-Tenant Organizations
Run multiple branches or independent lending entities from a single dashboard with strict data isolation.
- Logical tenant data isolation per organization
- Instant branch switching with dedicated permissions
- Custom branding, loan policies, and currencies per entity
- Consolidated or per-branch reporting for management
Multi-Channel Collections & Mobile Money
Record and reconcile repayments across MTN Mobile Money, Airtel Money, bank transfers, and cash collections.
- Installment-level partial and full payment allocation
- Automatic penalty calculations for late installments
- Transaction reference and receipt generation
- Overdue payment reminders and delinquency aging
Portfolio Health & PAR Analytics
Real-time intelligence on your portfolio at risk (PAR), collection efficiency, expected cash flows, and interest yield.
- PAR30, PAR60, and PAR90 delinquency tracking
- Monthly interest income vs. principal recovery metrics
- Borrower retention and loan renewal rates
- Exportable financial reports in CSV and PDF formats
Role-Based Access Control & Audit Log
Assign granular roles to loan officers, branch managers, and auditors with complete immutable activity logging.
- Owner, Admin, Manager, and Loan Officer roles
- Field-level permissions for loan approvals and write-offs
- Immutable timestamped event logs for every financial action
- Two-factor authentication (2FA) support for staff accounts
Custom Loan Products & Plans
Create reusable loan templates with pre-set interest rates, terms, penalties, and fee structures.
- Fixed or flexible duration loan templates
- Upfront origination fees and insurance deductions
- Grace period configuration before penalty accrual
- Standardized contracts for fast borrower onboarding
Stop running your loan portfolio on spreadsheets.
Join hundreds of lenders and microfinance institutions across East Africa who rely on Credit-Nest for automated repayment schedules, borrower tracking, and instant collection insights.