Loans & Credit
From application to recovery, with every rule enforced in the system.
Standardise how credit is granted. Loan products, eligibility rules, appraisal scoring, guarantee limits, collateral and repayment schedules all live in one workflow — so approvals are consistent and defensible.
Consistent credit decisions
Every application measured against the same rules, limits and approval thresholds.
Full portfolio visibility
Exposure by product, branch, officer and risk classification at any moment.
What Loans & Credit gives you
Each capability below is a shipped part of the platform, not a roadmap promise.
Loan Products & Pricing
Interest methods, repayment frequencies, grace periods, fees and penalties configured per product.
Applications & Appraisal
Structured applications with eligibility checks, affordability and appraisal scoring.
Approvals & Disbursement
Maker-checker approval routing with disbursement and automatic ledger posting.
Repayment Schedules & Aging
Amortisation schedules, arrears, ageing analysis and overdue classification.
Guarantors & Guarantee Limits
Track guarantor exposure so no member over-guarantees beyond their own savings.
Collateral Register & Vault
Register, value and track physical and titled collateral through release or liquidation.
Restructuring & Write-offs
Restructure, reschedule or write off facilities with proper approval and audit history.
Because the data is shared, so is the value
Loans & Credit does not sit alone — it reads and writes the same member record and general ledger as the rest of the platform.
Member Management
A single, accurate register for every member you serve.
Savings & Schemes
Flexible savings products with automatic interest and clean ledgers.
Shares & Dividends
Track share capital accurately and distribute dividends fairly.
See Loans & Credit working with your own numbers
Book a walkthrough and we will demonstrate this module against your products, interest rules and reporting obligations — using your own operating scenario.
- No obligation
- Mapped to your products
- Honest fit assessment