Features
Everything in one place
Web for the office, an app for the field and for your customers. All of it works together, on the same records.
Customers and members
One profile per person, with everything they hold.
National ID verification
Check the ID number with the national registry; the name and date of birth fill in.
Photo, signature and papers
Capture a photo, a drawn signature and ID papers on the spot.
Individuals, groups and institutions
Minors with guardians, groups and institutions with signatories.
Membership workflow
Applications, approvals, fees, dormancy, suspension and exits.
Loans
From the application to closing, with the checks a lender needs.
Loan products
Flat or reducing interest, daily to monthly repayments, fees and limits per product.
Approval tiers and committees
Bigger loans need more approvals; insider loans always go to the committee.
Collateral and guarantors
Pledge items and member savings; guarantors accept in their own app.
Disburse your way
Cash, MTN, Airtel or bank, with the wallet and branch cash checked first.
Restructure, write off, close
Change terms, write off bad loans and recover later, all on the record.
Portfolio quality
PAR 1 to 90, risk classes and provisions, reclassified every night.
Savings and shares
For SACCOs and lenders that take deposits.
Savings products
Voluntary, compulsory and fixed deposits with interest and fees.
Withdrawal controls
Notice periods, approval limits and liens for pledged savings.
Share register
Purchases, transfers, redemptions, certificates and the ownership cap.
Standing orders and check-off
Automatic transfers and employer payroll deductions.
Credit sales
For shops that sell on credit.
Catalog and stock
Products with cash price, markup, down payment rules and stock.
Sales and instalments
Approve, deliver, collect and release documents once paid off.
Delivery tracking
Know what has been handed over and what's waiting.
Customer requests
Customers request products from their app; you approve them.
Payments and money
Every shilling tracked from request to ledger.
Mobile money
Collections and payouts on MTN and Airtel, through Prograte or your own accounts.
Wallet and branch float
Top up, send float to branches and withdraw to your bank.
Branches and capital
Capital, cash counts, expenses and transfers per branch.
Receipts
Every payment gets a receipt; customers get an SMS.
Books and reporting
Ready for the auditor and the regulator.
Accounting
Chart of accounts, journals, trial balance, income statement and balance sheet.
Regulatory returns
Prudential ratios and returns prepared from your books.
Year-end and dividends
Close the year and share out dividends and interest on savings.
Reports
Portfolio, collections, arrears, members and more, as PDF, Excel or CSV.
Member and customer app
Self-service that takes the load off your counter.
Balances anytime
Savings, shares, loans and purchases at a glance.
Pay from their phone
Deposits, repayments and share purchases by mobile money.
Apply online
Loan applications with an eligibility check before they apply.
USSD
Members on basic phones check balances and pay through a short code.
Team and control
The right people doing the right things.
Roles and permissions
Cashier, loan officer, accountant, committee, board and more.
Maker and checker
Nobody approves their own transaction.
Audit trail
Every action logged with who and when.
Your branding
Your name, logo and colours on receipts and the customer app.
See it with your own numbers
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