One system for your SACCO, loans and credit sales
Members, savings, shares, loans, mobile money and the books, on the web and in a phone app your staff and customers already know how to use.
No card needed. Android, iPhone and web.
Three businesses, one platform
Pick what you run; we switch on what it needs
Each company type gets its own screens, words and reports. A SACCO sees members and shares; a lender sees clients and collateral.
SACCOs
Run the whole cooperative: members, savings, shares, loans, savings groups and the books regulators ask for.
- Membership applications and approvals
- Savings, fixed deposits and shares
- Committee loan approvals
- Year-end dividends and returns
Money lenders
From the application to the last instalment, with collateral, guarantors and mobile money built in.
- Loan products and approval tiers
- Disburse by cash, MTN, Airtel or bank
- Arrears, PAR and provisions
- Credit bureau checks
Credit sales
Sell phones, motorbikes and appliances on credit and collect the instalments without chasing.
- Product catalog with stock
- Down payments and instalment plans
- Delivery and document release
- Customer app to pay and shop
On the web
The full office on a big screen
Everything the app does, plus the work that's easier at a desk: approvals, reports, accounting, settings and staff. Same records, same login.
- Works in any browser, nothing to install
- Approve loans and withdrawals in one queue
- Reports as PDF, Excel or CSV
- Members and customers have their own portal too
One approval queue
Loans, withdrawals, membership and share transfers waiting for you, in one list.
Reports and the books
Portfolio, arrears and collections, plus the trial balance and regulator returns.
Staff and permissions
Invite your team, give each a role, and adjust exactly what they can do.
Your rules
Loan products, approval tiers, fees, fines and mobile money set up once, used everywhere.
For SACCOs
Everything a cooperative runs on
Built around how SACCOs across Africa actually work: members approve members, committees approve loans, and the AGM shares out the surplus.
Membership
Applications, approvals, fees, welfare, dormancy and exits, all with a record of who approved what.
Savings
Voluntary, compulsory and fixed deposits with interest runs, notice periods and withdrawal approvals.
Shares
The share register, purchases, transfers and the one-third ownership cap, with certificates.
Savings groups (VSLA)
Meetings, share purchases, group loans and the end-of-cycle share-out, from a phone.
Accounting and returns
Double-entry books, prudential ratios and the returns your regulator asks for, prepared for you.
Year-end and dividends
Close the year, propose dividends and interest on savings, approve them and pay out.
Governance
Committees, meetings, AGM resolutions and policies, kept with the books they affect.
Payroll check-off
Employer deduction schedules and remittances matched to each member.
Money in, money out
Mobile money and checks built in
No separate payment app, no spreadsheet of who paid. Every shilling is recorded against the right account.
MTN and Airtel
Members pay from their phones; loans and withdrawals go straight to theirs. Every request is tracked until the network confirms.
National ID check
Verify a national ID with the registry while adding a customer: the name and date of birth fill in, and the profile is marked verified.
Credit bureau
See a borrower's score and loans at other lenders before you lend, and whether anyone has blacklisted them.
Wallet and capital
Know how much is in the wallet, at each branch and out on loans, and stop lending before cash runs low.
For your members and customers
Their own app, and USSD for any phone
Members check balances, deposit and repay by mobile money, apply for loans, accept guarantor requests and download statements. No more queues to ask for a balance.
- Savings, shares and loan balances
- Deposit and repay from MoMo or Airtel Money
- Apply for a loan and track the approval
- Guarantee a friend's loan from the app
- Statements and share certificates as PDF
Looking to save or borrow?
Find a SACCO or lender near you
See what SACCOs, lenders and shops on Prograte offer and what you need to join, borrow or buy on credit. Leave your name and phone number and they will call you.
3
Business types on one platform
6
Portals: staff and customers for each
MTN + Airtel
Collections and payouts
30 days
Free trial, no card
Safe by design
Controls that auditors look for
Maker and checker
The person who records a loan or withdrawal can't approve it.
Roles and permissions
Cashiers take money, committees approve, the board reads. Each sees only what their role allows.
Full audit trail
Every change is logged with who, when and from which device.
Your data, isolated
Each company's records sit in their own space, encrypted and backed up automatically.
See it with your own numbers
Start a 30-day trial. We'll help you move your members and loans in.