Platform features

Everything you need to manage lending at scale

Built specifically for the realities of private lending and microfinance in East Africa — not a generic finance tool adapted to fit.

Loan Lifecycle Management

A complete end-to-end workflow for every loan — from application to closure.

  • Create loan applications with borrower and plan selection
  • Approval workflow — approve or reject with notes
  • Disburse loans and auto-generate installment schedules
  • Track loan status: pending, approved, active, completed, defaulted, written-off, cancelled
  • Snapshot interest rate and terms at disbursement — plan changes never affect existing loans
  • Collateral recording and management per loan

Borrower Management

Know every borrower. Maintain complete profiles and track their full lending history.

  • Borrower profiles with contact details and identification
  • Full loan history per borrower
  • Outstanding balance and repayment performance at a glance
  • Search and filter borrowers across your portfolio
  • Borrower-level notes and records

Repayment & Installment Scheduling

Accurate installment schedules generated automatically at disbursement.

  • Flat rate interest: principal × (rate/100) × term count
  • Reducing balance interest: calculated on outstanding principal each period
  • Term units: daily, weekly, monthly, or yearly
  • Auto-generated installment schedule on disbursement
  • Installment statuses: pending, partial, paid, late
  • Record partial payments against specific installments

Multi-Tenant Organisations

Run multiple branches or lending companies from a single account — fully isolated.

  • Create and manage multiple organisations
  • Each organisation has its own isolated data
  • Invite team members via email
  • Role-based access: admin and member roles
  • Organisation-level loan plans and settings
  • Switch between organisations instantly

Payment Tracking

Record and reconcile payments across all channels your borrowers use.

  • Cash payments
  • Bank transfer payments
  • Mobile money — MTN Mobile Money and Airtel Money
  • Link payments to specific installments or record at loan level
  • Payment history and audit trail per loan
  • Outstanding balance recalculated in real time after each payment

Reporting & Portfolio Analytics

Get the numbers that matter — without running manual reports.

  • Portfolio-level loan count and total disbursed
  • Outstanding balances aggregated across all loans
  • Overdue installment tracking
  • Collection rate visibility
  • Loan status breakdown at a glance
  • DB-level aggregations — no slow spreadsheet calculations

Security & Access Control

Enterprise-grade security so your borrower data stays protected.

  • Secure authentication with session management
  • Role-based permissions per organisation
  • Tenant data isolation — no cross-organisation data access
  • HTTPS enforced end-to-end
  • Deployed on Cloudflare global edge infrastructure
  • Encrypted data at rest and in transit

Loan Plans & Product Configuration

Configure your lending products once, reuse them across all your loans.

  • Create named loan plan templates
  • Set interest rate, interest type, term, and term unit per plan
  • Plans can be updated without affecting disbursed loans
  • Interest and term terms snapshotted on each loan at issue time
  • Multiple active plans per organisation

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