Origination, savings, collections, registers, income and reporting — grouped the way your books are. Every capability below writes to the same double-entry ledger.
Flat, reducing-balance and custom interest methods, with your own fee and penalty rules.
Take applications through review to approval, with a full audit trail at each step.
Disburse by any method; the principal posts as a debit and the loan opens automatically.
Repayment schedules generate on disbursement and recalculate when terms change.
Capture repayments against any instalment; balances and PAR update in real time.
Bank, mobile money, cheque, card or cash — the picker records the rail, reference and metadata.
Past-due instalments flip to overdue and post penalties automatically, per product config.
Issue loan statements and repayment receipts as PDF, straight from the ledger.
Open and run client savings and deposit accounts right alongside their loans.
Record deposits and withdrawals by any method; every movement posts to the ledger.
Accrue and post interest to savings balances on the schedule you set.
Issue savings statements and deposit receipts as PDF, straight from the ledger.
One record per person or business — client today, guarantor or vendor tomorrow.
Hold KYC details and documents with signed-URL access and a borrowing history.
Register collateral against loans, track valuations, custody and release.
Link guarantors to each loan and keep guarantees auditable.
Portfolio-at-risk and ageing buckets, watched live across your whole book.
Reports on what went out and what came back, by branch, product or officer.
A real journal, chart of accounts and trial balance underneath every figure.
Hold and report in several currencies, priced at the daily exchange rate.
Start a 14-day free trial and post your first disbursement today — no card required.