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Software for banks, microfinance banks and lenders
Loan applications, repayments, savings, field agents and customer apps on one system. Approve loans faster, chase repayments on time and give customers a way to bank from their phones.
What the system covers
Loan origination
Applications, documents, credit checks and approvals in one queue, with every decision recorded.
Repayments and collections
Schedules, reminders, part payments and overdue lists that update as money comes in.
Savings and ajo
Daily, weekly and target savings, and esusu groups, with balances customers can check.
Onboarding and KYC
BVN and NIN checks, ID uploads and account opening in minutes, not days.
Agent and customer apps
Field officers collect and register on the move. Customers see loans and savings on their phones.
Portfolio reports
Loan book, portfolio at risk, collections and regulatory returns without a week of spreadsheets.
One system, a clear screen for each person
Loan officer
Takes applications in the field and follows each one to approval.
Credit and risk
Reviews documents, checks history and approves within set limits.
Branch and collections
Sees what is due today and who has fallen behind.
Management
Watches the loan book, defaults and growth across branches.
Packages
Three ways to start
Every package is quoted for your business after a short discovery call. Pick the one closest to where you are.
Lender
A cooperative or a single-branch lender.
- Loans and repayment schedules
- Customer records and KYC
- Reminders on SMS and WhatsApp
- Daily reports
Microfinance bank
Several branches and field agents.
- Everything in Lender
- Savings and ajo collections
- Agent app for the field
- Portfolio at risk and returns
Bank or fintech
Digital products for customers at scale.
- Everything in Microfinance bank
- Customer mobile app
- Links to your core banking and payment partners
- Custom integrations
Questions we are asked most
Do you build core banking systems?
We build the systems around your core: loan origination, onboarding, agent and customer apps, collections and reporting. They connect to your core banking software through its interface, so you do not replace what already works.
Can customers repay by transfer or card?
Yes. Repayments can come in through bank transfer, virtual accounts, cards or USSD through payment partners such as Paystack and Flutterwave, and are matched to the right loan.
Can field agents work without internet?
Yes. The agent app records registrations and collections offline and sends them when the phone finds a network, with a receipt for the customer.
How do you handle customer data and security?
Access is by role, every change is logged, and data is encrypted in transit and at rest. We design with the Nigeria Data Protection Act and CBN guidance in mind and agree hosting with you.
See it working for a business like yours
Tell us about your bank, microfinance bank or lending business and we will walk you through what we would build.