Everything a SACCO, chama, or microfinance runs on - already built.
Savings, loans, chama governance, M-Pesa collection, SMS, SASRA-ready accounting, payroll check-off, and a real member portal - all in one system, not a dozen disconnected tools stitched together.
Savings & Loans
Savings Products
Regular savings, fixed deposits with automatic maturity/interest accrual, savings goals, and a real interest engine - not a spreadsheet formula.
Configurable Loan Products
Flat rate or reducing balance interest, your own eligibility rules, processing/insurance fees, and penalty rates per product.
Guarantors & Collateral
Guarantor exposure tracked per member so nobody silently over-commits their shares, plus a full collateral register per loan.
Group Loans
Joint-liability group lending with per-member contribution tracking underneath the group's consolidated loan.
Loan Restructuring & Refinancing
Reschedule a struggling loan without touching the ledger, or refinance into a new loan with a real, balanced accounting entry.
Arrears & Provisioning
Automatic ageing buckets and configurable non-performing-loan provisioning rates, posted through the same real ledger as everything else.
Credit Scoring
A real, explainable 7-factor score built from each member's own savings, repayment, and tenure history - never a black box.
Loan Recovery & Collections
Automatic escalation - reminders, demand letters, guarantor notices - plus a collections dashboard and promise-to-pay tracking.
Shares & Dividends
Share capital accounts and AGM dividend declarations calculated and posted automatically, pro-rated correctly per member.
Chama & Group Governance
Contribution Cycles
Expected amounts and due dates generated automatically every cycle, with real-time paid/partial/pending status per member.
Merry-Go-Round
Fair rotation position assignment, automatic round generation, and guarded early/emergency payout requests.
Welfare Funds
A separate welfare pool for member emergencies, tracked independently from regular contributions and loans.
Meetings, Minutes & Voting
Real governance - documented meeting minutes, action items, and a recorded vote on group decisions like admitting a member.
Fundraising Projects
Group project tracking with milestones and target amounts, visible to every member of that group.
Self-Service Join Requests
A member can request to join a group directly from the portal; staff approve or reject, no WhatsApp back-and-forth required.
Payments & M-Pesa
M-Pesa STK Push
Members pay loan repayments, savings deposits, and chama contributions with a real PIN prompt sent straight to their phone.
Automatic Reconciliation
Confirmed M-Pesa payments update the right member account within seconds via webhook, no manual statement matching.
Paybill & Bank Import Reconciliation
Confidence-scored matching for bulk bank/paybill statement uploads, with a bulk-approve queue for anything ambiguous.
Payroll Check-Off
Employer-connected payroll deduction with a real webhook per employer - the SACCO gets a clean deduction list, not a spreadsheet email.
Till & FOSA Cash Management
Denomination-counted till open/close, real-time session tallying, and a full printable/emailable session report for every shift.
Virtual Accounts & Bank Integration
A dedicated virtual account number per member with automatic bank-import matching, plus generic bank/card gateway adapters.
International Remittance
Diaspora member transfers handled through the same multi-currency and virtual account infrastructure.
Accounting & Compliance
Double-Entry General Ledger
Every disbursement, repayment, dividend, and fee posts a real, balanced accounting entry automatically.
Trial Balance, Cash Flow & Financial Statements
Always current, generated from the same live ledger - never a manually reconciled export.
SASRA-Ready Reporting
Core capital, deposit, loan portfolio, and provisioning figures ready for regulatory returns without a separate reshaping step.
Budgeting & Cost Centers
Departmental/branch budgets tracked against real actuals from the same ledger.
Asset Management & Procurement
Fixed asset register with depreciation, plus a full vendor to requisition to purchase-order to payment workflow.
Treasury & Investment Portfolio
Multi-currency treasury accounts and a real T-bill/fixed-deposit investment register with monthly accrual.
Tax Engine
Excise duty on loan fees calculated and posted automatically per Kenyan requirements.
Full Audit Trail
Every role, settings, and loan lifecycle change logged - who did what, and when.
Member Self-Service Portal
Real-Time Dashboard
A member's actual balances, active loans, and recent activity - not a static summary that's a day out of date.
Loan Applications & Documents
Apply for a loan, upload KYC documents once (front/back ID, proof of income), and download real statements/agreements.
Search & Notifications
Search their own loans, savings, and receipts directly, with a real notification feed for every account event.
USSD Access
Core balance checks, loan repayment, and savings withdrawal available over USSD for members without a smartphone.
Digital KYC & Onboarding
A guided onboarding wizard and document upload flow, reviewed and approved by staff - not a fax machine.
AI Financial Assistant
An advisory-only assistant that answers a member's own account questions in plain language - never posts a transaction on its own.
Communication & Growth
SMS, WhatsApp & Email
Any HTTP SMS gateway, not locked to one provider, with delivery tracking and a real communication wallet/budget.
Automated Sequences
Scheduled reminders and follow-ups that actually send themselves - loan due dates, overdue notices, welcome messages.
CRM & Leads Pipeline
A real lead pipeline with follow-ups, converting a prospect into a full member without leaving the system.
WhatsApp Inbox
Real inbound WhatsApp messages matched to the right member, with a full two-way conversation thread for staff.
AI & Intelligence (Advisory Only)
Fraud Detection
Flags duplicate ID/phone numbers, unusual application velocity, and prior write-offs for a human to review.
Risk Prediction & Board Reports
Portfolio risk signals and a drafted board-report narrative from real data - always reviewed before it goes anywhere.
Collections Assistant & Underwriting Support
Suggests a next collections action or an underwriting read on an application, never auto-approves or auto-writes-off.
Operations & Staff
Multi-Branch & Custom Roles
Per-business custom roles with module-level permission control, scoped correctly to each branch.
HR & Payroll Integration
Real staff loan settlement, check-off centre, and Paylist HR sync - with honest limits disclosed where an HR system's own API can't push data back automatically.
Document Generator
Offer letters, clearance certificates, statements, and receipts - generated and emailed automatically, not typed by hand.
Custom Fields & Report Builder
Add your own fields to members/loans/savings, and build your own reports without waiting on a developer.
Multi-Currency, Multi-Language & Multi-Country
Real support for operating across currencies, languages, and country-specific phone/ID formats.
Security
In-App Transaction PIN
A second PIN, separate from the login PIN, required before any money-moving action in the member portal.
Two-Factor Authentication
A real SMS one-time code at login, on top of a member's own PIN.
Suspicious Login Alerts
An automatic alert the moment a member's account is accessed from a device it's never seen before.
Disbursement Security
Two-party OTP, a locked phone number, and an amount cap before any real payout leaves the SACCO.
Developers & Integrations
Public REST API
Sanctum-secured, per-business API tokens with real usage logging and rate limits, documented with a live Postman collection.
Employer Check-Off Webhooks
Each connected employer gets its own secured webhook URL for payroll deduction data, no shared credentials.
Open Banking Consent
Member-consented, revocable read access for a third-party app to view (never move) their own account data.