Digital Lending. Smarter Decisions. Better Collections.
A digital lending and microfinance platform covering onboarding, credit assessment, servicing, collections and accounting — built so every number on screen is computed, not entered.
For borrowers
Apply, track a decision, accept a loan agreement and repay by M-Pesa from a phone — a mobile-first portal built the way Tala and Branch borrowers expect one to work.
For loan officers
Onboarding, credit scoring with a documented, explainable methodology, configurable approval authority, and a servicing view where every balance is derived from the ledger, never a number someone can edit.
For collections & finance
Compliant collections workflows with a mandatory lawful-basis check before contacting anyone but the borrower, a real double-entry ledger, and Portfolio-at-Risk reporting with its methodology stated, not assumed.
Engineering principles this platform holds to
- Balances are derived from an append-only ledger, never stored as an editable number.
- Every interest rate, fee, penalty and approval limit is tenant configuration — never a constant in the code.
- Idempotency is a database constraint: a duplicate payment or accrual cannot post twice.
- M-Pesa integration runs against a real sandbox client or an honestly-labelled demo simulator — never a fake production claim.