Loan Management
Applications, approvals, disbursements, repayments, interest and penalties.
- Loan applications & product setup
- Approval & disbursement workflows
- Repayment schedules & collections
- Interest, fees & penalties
- Loan tracking, ageing & PAR
Platform features
Everything You Need to Run a Modern Lending Business.
Ten core modules, working together on one platform — from the first loan application to the board report.
Loan Product Configuration
Set up every loan product your way — no developer needed.
- Minimum & maximum amounts
- Tenures in days, weeks or months
- Interest rates & processing fees
- Insurance & attached fees
- Penalties: flat or %, grace period & caps
- Top‑ups, restructuring & auto write‑off
Customer Management
Customer onboarding, KYC, documents, profiles and groups.
- Customer onboarding
- KYC & document storage
- Complete customer profiles
- Groups & members
- Customer statements & history
Branch Management
Manage multiple branches, officers and branch performance.
- Multiple branches, regions & areas
- Branch officers & portfolios
- Branch-level operations
- Performance monitoring
HRM & Payroll
Employee management, payroll, leave, attendance and staff records.
- Employee management
- Staff records
- Payroll management
- Leave & attendance
- Employee reports
Accounting
Keep your books in the same system as your loans — from chart of accounts to financial statements.
- Chart of accounts
- Journal entries
- General ledger
- Income & expense tracking
- Financial reports
Mobile Money Payments
Move money in and out instantly with M-Pesa and mobile money — C2B, B2C and B2B.
- C2B — customers repay via Paybill or Till
- B2C — disburse loans straight to customers’ phones
- B2B — pay suppliers and partner businesses
- Automatic payment matching & allocation
- Bank and manual payment modes
Reports & Analytics
Portfolio and customer reports, collections, outstanding loans and performance insights.
- Portfolio reports
- Customer reports — loans, payments, late repayments & statements
- Collections & due installments
- Outstanding & late loans
- Branch & staff performance
- Financial reports
Digital & Field Operations
Field officers, customer visits, collections, mobile access and offline synchronization.
- Field officer management
- Customer visits
- Collections in the field
- Mobile access
- Offline operations & synchronization
Portal Users & Access Control
Decide exactly who can see and do what — across every branch.
- Portal user management
- Custom roles & granular permissions
- Branch & region‑level data access
- Two‑factor login with OTP
- Account lockout & password expiry
- Maker–checker approvals & full audit trail
Also included
The details that make day-to-day work easier
- Savings & DepositsSavings accounts, deposit products and transactions.
- Collateral TrackingRecord and track collateral against every loan.
- Group LendingGroup loans with member-level tracking.
- SMS NotificationsAutomatic reminders, receipts and bulk SMS to customers.
- Loan Ageing & PARSpot arrears early with ageing and portfolio-at-risk views.
- Debt RecoveryTrack overdue accounts and recovery actions in one place.
- Document StorageKeep IDs, agreements and KYC documents with each customer.
- Support TicketsLog and resolve customer and staff issues.
- Approval WorkflowsConfigurable approvals for loans, payments and changes.
Built forMicrofinance Institutions, SACCOs, Chamas & Lending Businesses
- SecureYour data, our priority — role-based access and full audit trails.
- ScalableGrows with your business, from one office to many branches.
- Easy to UseIntuitive and user-friendly for every member of staff.
- Multi-BranchManage multiple branches seamlessly from one place.
- Real-Time ReportingAccess insights when you need them, not at month-end.
Ready to Modernize Your Institution?
Talk to our team and discover how Finveralms can simplify your operations, improve visibility and help your institution grow.