Next-Generation Lending Platform ·

East Africa Edition

Credit operations engineered for speed, accuracy & scale

A unified digital platform for microfinance institutions, SACCOs, and digital lenders. Automate loan origination, credit committee approvals, instant mobile-money disbursements, and field collection tracking across Kenya, Uganda, and Tanzania.

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⚡ Real-time M-Pesa & Airtel Rails

🛡️ CBK & SASRA Audit Ready

📱 Offline-Capable Field App

Simple Loans Command OS · East Africa Cloud

Real-Time Sync

Active Portfolio

KSh 48.25M

↑ 14.2% MoM

Collection Rate

98.6%

Optimal

PAR 30 Ratio

1.4%

Low Risk

Live Credit Origination & Repayment Feed 4 New Actions

AW

Alice Wanjiku

Business Loan · 12 Months · Nairobi Branch

KSh 75,000
Disbursed (M-Pesa)
DK

David Kamau

Asset Financing · Committee Quorum 3/3

KSh 250,000
Approved
GA

Grace Akinyi

Working Capital · 2 Guarantors Verified

KSh 45,000
In Review
PM

Peter Mwangi

Field Repayment via Paybill Hook 522123

KES 14,500
Paid & Reconciled

⚡

Instant M-Pesa Payout Confirmed

KES 75,000.00 disburse to Alice Wanjiku (Ref: QKJ9812A)

0.38s

01 · BORROWERS & MEMBERS 📱

Mobile Self-Service Portal

Members apply digitally in under 3 minutes, monitor real-time loan schedules, and trigger repayments via mobile money.

Instant balance lookup
Digital KYC & document upload
Auto SMS payment confirmation

02 · FIELD OFFICERS & AGENTS 🛵

Smart Field Mobility App

Field collectors record cash or M-Pesa collections on the road, reconcile ledgers, and work offline in low-connectivity areas.

Offline collection queue
Instant mobile money reconciliation
Bluetooth field receipt printing

03 · MANAGERS & SACCO BOARDS 📊

Autonomous Portfolio Control

Credit committees review loan applications, enforce approval quorums, track PAR 30 delinquency, and export statutory audit files.

Multi-tiered approval matrices
Live PAR aging & risk rating
One-click SASRA & CBK exports

SIMPLE & TRANSPARENT

Plans that scale with your credit operations

Per-borrower pricing in your local currency for credit unions, SACCOs, and microfinance lenders. Scale borrower seats anytime with instant mobile-money activation.

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ENTERPRISE CREDIT ARCHITECTURE

A lending workflow your whole team can follow

Replace disorganized paper folders, fragmented spreadsheets, and delayed WhatsApp approvals with one auditable, high-velocity credit engine.

STAGE 01 · SMART ORIGINATION

Zero Paperwork

Digital Onboarding & Multi-Tier Committee Approvals

Configure custom credit policy rules, committee member quorums, and identity verification. Automatically validate national ID and borrower credit history before funds leave the account.

✓

Member KYC & National ID Instant IPRS/Identity verification

Verified

✓

Guarantor Pledges 2 of 2 Guarantors Digitally Signed via SMS

Secured

✓

Credit Committee Quorum Approved (3 of 3 Committee Votes cast)

Approved

⚡

Automated Disbursement Ready to disburse via M-Pesa B2C rail

Ready ⚡

STAGE 02 · FIELD MOBILITY & REPAYMENT

Real-Time Sync

Mobile Collections & Instant Webhook Reconciliation

Field agents collect payments on smartphones with zero reconciliation discrepancies. Direct C2B Paybill and Till webhooks split principal, interest, and penalties automatically in milliseconds.

M-PESA C2B PAYBILL WEBHOOK ● Live Webhook

KES 18,500.00

Repayment for Loan #LN-2026-0842

Borrower Name: David Kamau

Transaction Ref: QKH8291KZ9

Automated Allocation: Principal: KES 15,000 · Interest: KES 3,500

Ledger Status: Auto-Reconciled in 0.38s ✓

STAGE 03 · RISK CONTROL & PAR MONITORING

Algorithmic Risk

Proactive Portfolio Health & Delinquency Prevention

Monitor Portfolio At Risk (PAR 1-30, 31-60, 90+) dynamically. Automated SMS and WhatsApp payment nudges dispatch before due dates, keeping non-performing loan ratios consistently under 2%.

Portfolio At Risk (PAR 30)

1.4% Optimal Health

Benchmark: < 5.0%

Performing (96.8%) 1-30 Days (1.8%) 30+ Days (1.4%)

💬

Automated Delinquency Prevention Engine 48 payment reminders dispatched today via WhatsApp & SMS

🏛️

Multi-Branch & SACCO Hierarchy Branch-level quotas, permissions & consolidation

⚙️

Flexible Interest Schedules Flat rate, reducing balance, compounding & Rule 78

🔒

Bank-Grade Access & Audit Logs Role-based permissions & tamper-proof activity logs

📊

Statutory Regulatory Reports One-click exports for SASRA, CBK, and external auditors

Mobile-first

Manage loans from the field, not just the office

Borrowers check balances and apply for loans on their phones. Collectors post repayments instantly. Managers approve from anywhere.

Borrower self-service: apply, check balance, view schedule
Collector payment capture with payment-method selection
Manager review queue with disbursement controls
Real-time overdue and portfolio alerts

Simple Loans

My outstanding KSh 48,200

My Loans Apply Schedule

Loan #L-2024-0041Ongoing

Instalment due Jun 30Pending

Last payment · KSh 4,200Paid

Getting started

From application to disbursement in days

1
Member applies

Submit a loan application from the mobile app with required documents and guarantors.
2
Manager reviews

Credit officers assess the application, verify qualifications, and approve or request adjustments.
3
Loan disbursed

Approved loans are posted to the disbursement journal and funds are released to the member.
4
Repayments tracked

Collectors capture payments; the schedule updates automatically until the loan is settled.

Regional coverage

Built for East African credit organizations

Kenya

KSh

Credit and microfinance institutions serving urban and rural communities across Kenya.

Uganda

UGX

Credit unions and cooperative lenders operating across Uganda with mobile-money repayment options.

Tanzania

TSh

Community savings and credit organisations across Tanzania with full Vodacom M-Pesa integration.