The Credit-Nest platform
Every loan.
Every detail.
One clear picture.
From borrower onboarding to the final repayment. Give your lending operation the tools to keep every detail connected.
Explore it with a free trialFull 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
Put your next loan
on firmer ground.
Bring your borrowers, repayments, and portfolio together.
14 days free. No credit card required.