Personal & Consumer Loans
Salary-backed loans, emergency financing, education loans, and consumer credit with flexible repayment terms and automated payroll deductions.
Financial Services
Lending & Credit Management
Loan origination, committee review, disbursement, repayment, restructuring, collections, and portfolio monitoring in one workflow.
Consumer Loans · SME Lending · Microfinance · Agriculture · Mortgage & Housing Finance
OriginationEvaluation scope
UnderwritingEvaluation scope
ServicingEvaluation scope
PortfolioEvaluation scope
Lending Suite
Manage Every Type of Loan
Support microloans, group loans, salary-backed lending, agricultural finance, SME credit, and secured loans with product rules, approvals, schedules, collections, and portfolio reporting tied to the same customer record.
Digital Loan Applications
Capture applications, documents, guarantors, collateral, field notes, and review decisions from branch, web, or mobile workflows.
Multiple Loan Products
Configure unlimited loan products with custom terms, interest rates, collateral requirements, and eligibility criteria. Support for declining balance, flat rate, and custom amortization schedules.
Automated Collections
Smart collections with SMS reminders, automated salary deductions, mobile money integration, penalty calculations, and restructuring workflows.
Group & Solidarity Lending
Manage solidarity groups, joint liability, group meeting records, member schedules, and individual repayment performance.
Agricultural Loans
Harvest-aligned repayment schedules, seasonal grace periods, input financing with tranche disbursements, and crop insurance integration for smallholder farmers.
Credit Committee Workflow
Record committee voting, quorum, decision attribution, minutes, approval steps, and audit history for each credit decision.
Portfolio Analytics
Real-time portfolio-at-risk (PAR) reporting, aging analysis, delinquency tracking, write-off management, and NBE-compliant portfolio quality reports.
Smart Alerts & Reminders
Automated SMS and email reminders for upcoming payments, overdue notices, committee meeting notifications, and early warning alerts for at-risk loans.
Mobile Loan Officer App
Field officers can process applications, conduct appraisals, collect repayments, and update loan status offline with automatic sync when back online.
Loan Products
Every Loan Type Your Members Need
Business & SME Loans
Working capital, equipment financing, business expansion loans with cash flow-based underwriting and commercial lending features.
Agricultural Financing
Seasonal loans aligned to harvest cycles, input financing for seeds and fertilizer, livestock loans, and warehouse receipt financing.
Group & Solidarity Loans
Village savings and loan associations (VSLAs), women's solidarity groups, table banking groups with joint liability and peer monitoring.
Emergency & Welfare Loans
Quick disbursement for emergencies, medical expenses, funeral costs, and member welfare programs with simplified approval workflows.
Asset & Mortgage Loans
Vehicle financing, home loans, land purchases, and secured lending with collateral management and valuation tracking.
Next step
Review your lending workflow.
Map products, committee rules, schedules, collection steps, and reporting needs before rollout.