Everything you need to
lend safely
A complete loan management platform with powerful features designed for SACCOs, microfinance institutions, and lending groups across Kenya.
Loan Management
End-to-end loan lifecycle automation
Loan-on-Phone
Auto-approve and disburse mobile loans instantly using custom risk parameters.
Repayment Schedules
Generate precise principal, interest, and penalty amortization tables.
Application Portal
Digital loan applications with document upload and e-signature support.
PAR Dashboard
Real-time aging analysis tracking PAR1, 7, 30, and NPL accounts.
Collections & Recovery
Automated recovery workflows that scale
SMS Reminders
Automated collector notifications with structured payment escalation rules.
M-Pesa Collections
Automate repayments with C2B callbacks and instant STK push.
Auto-reconciliation
Match payments to loans in real time with zero manual effort.
Debt Recovery
Structured recovery pipeline from gentle reminders to formal demand.
Risk & Compliance
Built-in verification and reporting
CRB Integration
Instant credit score verification via TransUnion during application.
IPRS Verification
National ID validation and identity checks at onboarding.
Risk Scoring
Custom scoring models based on repayment history and behavior.
Regulatory Reports
Automated KYC, AML, and CBK reporting compliance.
CRM & Operations
Centralized member and portfolio management
Member Management
Full CRM with member profiles, group tracking, and communication logs.
Portfolio Overview
Consolidated view of all loans, savings, and guarantees.
Multi-branch Support
Centralized management across branches with role-based access.
Data Export
Export reports, ledgers, and statements to PDF and Excel.
Ready to transform your lending?
Join hundreds of financial teams across Kenya using LoanFlow to automate and scale.