Loan management for microfinance
Run your entire lending business from one place.
A comprehensive, cloud-based platform for managing loans, clients, payments, and operations. Built for microfinance institutions, SACCOs, and lending organizations of all sizes.
- Every step of the loan in one flow
- SMS, WhatsApp and email built in
- Four-eyes controls on money
- Multi-branch and multi-currency
Why lenders switch
Stop running a loan book on spreadsheets and chat groups
Growth exposes every gap between files, phones and ledgers. Microfinex closes them, so your team spends its day serving clients instead of chasing paperwork.
The patchwork
- Client files in cabinets, balances in spreadsheets
- Approvals chased over calls and chat groups
- Repayments reconciled by hand at month end
- Reminders sent one by one from personal phones
- Nobody sure who changed a balance - or why
- Reports rebuilt from scratch for every board meeting
With Microfinex
- Every client, document and loan in one searchable place
- Each step waits in the right person's queue, with a notification
- Payments split into penalty, interest and principal automatically
- Reminders and broadcasts by SMS, WhatsApp and email
- Every change recorded - and reversals need a second person
- PAR, aging and collections reports ready to export at any moment
End-to-end workflow
From first contact to final repayment
Each stage has its own queue, its own permission and a notification for whoever acts next. Stages you don't need can be switched off.
- 01
Register
Capture the client, their documents and credit limits - or let AI fill the form from their ID.
- 02
Apply
Choose the product; amounts, interest, term and charges follow its rules.
- 03
Assess
Check affordability, history and bank statements before recommending.
- 04
Visit
Record home and business visits with location and observations.
- 05
Approve
A second person approves - or switch the step off if it happens elsewhere.
- 06
Disburse
Pay out from the right account; charges and the schedule are booked in one go.
- 07
Collect
Take repayments, print receipts and follow up arrears with reminders.
- 08
Report
Portfolio, PAR, aging and collections - filtered, sorted and exported.
Everything included
One platform. Every part of the job.
Not a loan calculator with extras bolted on - the complete operating system for a lending organization.
Clients, KYC and documents
Complete profiles with identification, addresses, next of kin, employment, credit limits, collateral and default guarantors. Upload IDs and payslips - AI reads them and fills the form, and drafts save as you type.
Products your way
Amounts, interest methods, terms, grace periods, penalties and charges per product - with currency-specific rates and top-ups on running loans.
Disburse with confidence
Single or batch disbursements from the right account. Charges settled out of the advance or paid separately - the principal never changes.
Repayments and receipts
Payments split into penalties, interest and principal, with POS and A4 receipts and schedules that update themselves.
Team notes
A discussion on every client and loan, with attachments, pinned messages, unread counts and private notes.
Finance that reconciles itself
Cash tills, bank accounts and mobile money wallets with live balances. Income and expenses, transfers, balance adjustments with reasons, and a running balance calculator.
Targets and branches
Monthly disbursement and collection targets per branch and currency - click any achieved figure to see exactly which loans make it up.
Nothing waits unseen
In-app notifications for assessments, approvals, disbursements, reversals, notes and client replies.
Works on any screen
A web app for computers, tablets and phones, with light and dark modes. Nothing to install.
Help built in
A searchable user guide covering every screen, downloadable as a PDF for training.
Smarter credit decisions
Affordability from real bank statements
Upload a client's bank statements and payslips and get their income, expenses, disposable income and a suggested repayment - with verification findings that flag anything worth a second look.
- Month-by-month income and expense overview
- Adjust which transactions count, and the figures recalculate instantly
- Export the assessment as a PDF for the credit file
Affordability assessment
Sample dataMonthly income
USD 1,845
Monthly expenses
USD 1,102
Disposable income
USD 743
Suggested repayment
USD 223
Income and expenses by month
Apr
May
Jun
Jul
Aug
Sep
2 verification findings to review before approving
Broadcast · Payment due this week
Sample data248
Clients
193
Delivered
35
Read
12
Skipped
Skipped: opted out, no usable number, or a missing detail - never a message with a gap.
SMS · Payment received
Thank you Rudo. Your balance on LN-0409 is now USD 375.00.Delivered
WhatsApp reply
Thank you! I'll pay the rest on Friday.Client communications
Reach every client by SMS, WhatsApp and email
Message a client straight from their profile or loan, or broadcast to a whole branch, overdue clients or a hand-picked list - with names, balances and due dates filled in for each person.
- Review who receives a broadcast - and who is skipped and why - before anything is sent
- Delivery and read receipts, WhatsApp replies and STOP opt-outs
- Saved templates so every branch sends the same wording
Portfolio visibility
Know your risk before it hurts
Portfolio summary, Portfolio at Risk from 1 to 180 days, arrears aging with the next collection action, collections and disbursements - filtered by branch and date, sorted across every row, and exported with the filters stamped on.
- Totals always kept per currency
- Open any loan in a report straight to its statement
- A live dashboard of funds, pipeline, disbursed and collected
Arrears aging
Sample dataPayment methods
Sample dataReversal requested · LN-0392
Requested by the cashier. Needs approval from someone who may reverse payments before any balance changes.
Money you can account for
Every cent explained
Money only moves through payment methods, so every balance has a trail: disbursements, fees, repayments, transfers and corrections - each with who did it and why.
- Mistakes are reversed properly, never deleted
- Reversals restore balances, schedules and credit limits exactly
- Void a wrong income or expense entry and keep the record
Controls and security
Built for other people's money
The checks a careful finance manager insists on are part of how the system works - not a policy document on a shelf.
Granular permissions
Standard roles to start with, custom roles when you need them. People only see the buttons they may use.
Four-eyes reversals
Undoing a disbursement or a repayment - or deleting a client - is requested by one person and approved by another.
Complete audit trail
Who did what and when, including exactly what every reversal undid.
Nothing half done
A disbursement completes in full or changes nothing. No orphan transactions to clean up.
Books per currency
Balances, totals and reports are never added across currencies into a misleading figure.
Your data is yours
Each organization's clients, loans and money are kept apart from every other organization.
Private credentials
API keys and passwords are write-only: once saved, screens only ever show their last characters.
Balances you can trust
Every disbursement, fee, repayment and transfer moves a payment method's balance, with its reason on record.
Getting started
Live in four steps
Set up what you lend, bring your clients across and get your whole team working in the same system.
- 1
Create your organization
Register online. Add your logo, details and default currency.
- 2
Set up how you lend
Branches, payment methods, charges and loan products - seed the standard lists in a click.
- 3
Bring your clients
Import clients from Excel or CSV, or register them one by one with AI-assisted capture.
- 4
Invite your team
Give loan officers, assessors, cashiers and managers the roles that match their work.
Questions
Answers before you ask
Do we need to install anything?
No. It runs in the browser on computers, tablets and phones, with light and dark modes. Your team signs in with their own accounts.
Can we lend in more than one currency?
Yes. Each product and payment method has its currency, credit limits are set per currency, and every total and report is kept separate per currency.
Can we bring our existing clients across?
Yes. Download the template, fill it in and import clients from Excel or CSV. Rows that cannot be imported are listed with the reason.
How do SMS, WhatsApp and email work?
Connect your own mail server, a BulkSMS account and the WhatsApp Cloud API - or use WhatsApp from staff phones with no setup. Message one client from their profile or loan, or broadcast to many, with delivery receipts and opt-outs.
Can we match our own lending process?
Yes. Products, charges, categories and purposes are yours to define, and assessment, field visits and approval can each be switched on or off.
What stops mistakes and fraud?
Permissions per role, a full audit trail, and four-eyes approval for reversals and client deletions. Money only moves through payment methods, so every balance can be explained.
Can we check affordability from bank statements?
Yes. With bank statement analysis switched on, statements and payslips are analysed for income, expenses, disposable income and a suggested repayment - and verification findings flag anything that needs a closer look.
Is there help for our staff?
Every screen is described in the built-in user guide, searchable and downloadable as a PDF.
Give your team the platform your clients deserve
Faster decisions, cleaner books and clients who always know where they stand. Set up Microfinex for your organization today.