Credit sales software
Hire purchase and credit sales software
Phones, motorbikes, solar, appliances: list the products, agree the down payment and plan, deliver, and collect the instalments. Documents are released when the last payment arrives.
Sign up yourself in Uganda, Kenya, Tanzania and Rwanda. Elsewhere in Africa? Talk to us.
What you get
Everything in one set of books
Your catalog
Products with cash price, markup and stock, so every quote comes out the same.
Plans per product
Down payment and instalment plans you set once and reuse for every sale.
Approve and deliver
Approval, delivery and document release tracked for each sale.
Collect by mobile money
Customers pay the down payment and instalments from their phone.
Arrears per sale
See what is late on every sale and follow up before it grows.
Sales reports
Sales, collections and write-offs by product and branch.
For your staff
- Catalog with cash price, markup and stock
- Down payments and instalment plans
- Approval, delivery and document release
- Collections and arrears per sale
- Write-offs and early payoff discounts
- Sales reports by product and branch
For your customers
- Browse the catalog and request a product
- Pay the down payment and instalments by mobile money
- See what's left on each purchase
- Pay off early
Questions
Frequently asked questions
What kind of businesses use it?
Businesses that sell on credit and collect in instalments: phone and electronics shops, motorbike dealers, solar and appliance sellers, and furniture stores.
Can each product have its own plan?
Yes. You set the down payment and the instalment options per product, and the markup is applied the same way on every sale.
When are documents or logbooks released?
You record what was held for each sale, and Prograte marks it ready for release once the balance is fully paid.
Which countries can use Prograte?
You can sign up yourself in Uganda, Kenya, Tanzania and Rwanda, with your books in your own currency (UGX, KES, TZS or RWF). MTN and Airtel mobile money and credit bureau checks are built in for Uganda. If you run a SACCO, lender or credit-sale business anywhere else in Africa, talk to us and we'll tell you honestly what works in your country today.
Is there a free trial?
Yes. Every plan starts with a 30-day trial, and we help you move your existing members, customers and loans in from Excel or your old system.
Does it work on phones?
Staff use the web app on a laptop or the Prograte app on Android and iPhone. Your members or customers get their own app to check balances and pay, and those without a smartphone can use USSD where it is available.
Guides
Worth reading
How to run credit sales and hire purchase without losing money
Pricing, down payments, instalment plans, collections and document release for businesses that sell phones, motorbikes, solar and appliances on credit.
8 checks to make before you lend to a new borrower
A checklist for money lenders, microfinance and SACCOs: identity, credit history, ability to pay, guarantors and collateral.
See it with your own numbers
Start a 30-day trial. We'll help you move your members and loans in.