How It Works

A loan's entire lifecycle, tracked in one place.

From the first application to the final repayment, every step is recorded, and every notice, receipt and reminder sends itself.

Apply

Register a member (with guarantors, collateral and KYC documents where required) and submit a loan application against one of your configured loan products.

Member onboardingGuarantors & collateralConfigurable loan products

Review & Approve

An officer or approver reviews the application, the guarantors' exposure and any collateral, then approves, rejects or sends it back for changes. Larger amounts can require a second sign-off before disbursement.

Approval workflowCredit score referenceApplicant notified by SMS & email

Disburse

Disburse via M-Pesa, bank transfer or cash from the till. The repayment schedule, interest and any processing fees are generated automatically the moment funds go out.

M-Pesa, bank or cashAuto-generated scheduleDisbursement voucher

Collect

Members repay via M-Pesa STK Push, at a branch, or through payroll check-off. Reminders go out before a payment is due, penalties and overdue status are flagged automatically, and every receipt is sent by SMS and email as it happens.

M-Pesa STK PushAutomatic overdue flagsReceipts sent instantly

Nothing here is manual bookkeeping

Every disbursement, repayment, fee and penalty posts a real double-entry accounting record behind the scenes, so your Trial Balance, General Ledger and financial statements stay current without a separate reconciliation step.