Run Your Lending Business End-to-End
A complete digital lending platform — from loan application to M-Pesa disbursement, automated collections, and CBK compliance reporting. Built for microfinance institutions, digital lenders, and credit businesses across Africa.
How It Works
Borrower applies
Borrower fills a digital form, uploads ID and payslips. Guarantors are notified automatically.
Credit assessment
System scores the application using configurable rules. Officer reviews and approves or declines.
Disbursement
Approved loan is disbursed to M-Pesa or bank account. Borrower gets an SMS with terms.
Collections & tracking
Repayments collected via M-Pesa auto-post to the loan. Overdue accounts trigger automated reminders.
Everything Your Lending Business Needs
Loan Application Portal
Digital loan application forms with document upload, guarantor management, and automated credit scoring.
Approval Workflow
Multi-level approval chains for loan officers, managers, and committees — with comment trails and escalation rules.
Disbursement via M-Pesa
Disburse approved loans directly to borrower M-Pesa wallets or bank accounts in seconds, with full audit logs.
Repayment Scheduling
Flexible repayment schedules — daily, weekly, monthly. Auto-calculate principal, interest, and penalty on late payments.
Portfolio Dashboard
Real-time portfolio-at-risk, collection rates, NPL ratios, and officer performance — all in one dashboard.
SMS & WhatsApp Reminders
Automated repayment reminders sent via SMS and WhatsApp before and after due dates to reduce default rates.
M-Pesa Repayment Collection
Borrowers repay via M-Pesa Paybill. Payments auto-post against the correct loan account instantly.
Compliance & Reporting
Generate CBK-ready reports, loan books, income statements, and borrower statements at any time.
Ready to digitise your lending business?
Get set up fast — our team handles onboarding, data migration, and training.
Get Started Today