Lending you can stand behind

Grow your loan book without losing the thread.

Crediledger helps microfinance lenders across Africa lend responsibly — every loan tracked, every borrower respected, every shilling accounted for. The warmth of a business that knows its people, with books that quietly balance themselves.

Trusted by lenders in 9 countries
Trial balance · your book at a glance
Outstanding principal
USh 612M
DR · assets
Collected · June
USh 64M
CR · cash in
Portfolio at risk
3.2%
watched live
Out of balance
0.00
ties out

Illustrative figures · multi-currency, priced at the daily rate · secured and backed up · 14-day free trial, no card required.

The chart of accounts

From application to final repayment

Originate, disburse and collect — with clients, collateral, penalties and accounting kept in sync. Every entry below is a part of the system that posts to the same ledger.

1100OriginationDR
Loan products & applications

Define products with your own interest methods and fees, then take applications through review to approval.

  • Flat, reducing-balance & custom interest
  • Configurable fees and penalties
  • Application review & approval flow
1200CollectionsCR
Repayments & schedules

Generate schedules automatically, record repayments by any method, and let overdue penalties post themselves.

  • Auto-generated repayment schedules
  • Capture bank, mobile money & cash
  • Automatic overdue penalties
3000PartiesMemo
Clients & guarantors

One unified party record — a client today can be a guarantor or vendor tomorrow — with full borrowing history.

  • KYC details and documents
  • Borrowing history at a glance
  • Guarantors linked to each loan
1500SecurityMemo
Collateral & guarantees

Register collateral against loans, track valuations and custody, and keep guarantees auditable.

  • Collateral register with valuations
  • Custody & release tracking
  • Documents with signed-URL access
9000Reporting
Portfolio reports & accounting

Portfolio-at-risk, disbursement and collection reports — all backed by a real double-entry ledger and chart of accounts.

  • PAR, ageing & collection reports
  • Double-entry journal & trial balance
  • Loan statements & receipts as PDF
Three postings, start to finish

How it works

Entry 01

Open the accounts

Set up loan products with your interest methods and fees, and onboard clients with KYC.

Products & clientsopened
Entry 02

Disburse the loan

Approve applications, register collateral and guarantors, and disburse — schedules generate automatically.

Principal outDR
Entry 03

Collect & reconcile

Record repayments, let penalties post, and watch portfolio-at-risk — every figure ties to the ledger.

Repayments inCR

Before, reconciling the month meant a weekend with a calculator. Now the book balances itself, and I spend that time with borrowers instead.

Amara KembabaziKampala · 340 active loans
Posted · no card req. Journal voucher — your move

Ready to run your lending from one balanced page?

Plans from Basic to Enterprise, priced in USD and shown in your local currency. Every plan starts with a 14-day free trial — start today and the books are open by tonight.