From setup to full automation
Five steps to transform your lending operations. No technical expertise required — we guide you through every stage.
Import Your Data
Migrate in minutes, not days
Upload your existing member list, loan portfolio, and repayment history via our smart CSV importer. We automatically map fields and validate data integrity before import.
- Bulk CSV import with smart field mapping
- Automatic data validation & deduplication
- Historical repayment & arrears migration
- Member group & guarantee structure import
Configure Lending & Approvals
Automated & Maker-Checker Workflows
Define loan products with custom interest rates, repayment schedules, and risk guardrails. Choose between 100% automated instant scoring or regulatory-compliant Maker-Checker dual-approval workflows that eliminate insider fraud.
- Maker-Checker dual-authorization for financial risk governance
- Instant algorithmic scoring & auto-disbursement mode
- Custom interest rate models (flat, reducing, tiered)
- Approval workflow builder with multi-tier role-based limits
Automate Collections
M-Pesa-powered recovery
Connect your M-Pesa Paybill and let LoanFlow handle reconciliation automatically. STK push reminders, auto-debit standing orders, and smart escalation sequences run on autopilot.
- Automated STK Push payment reminders
- M-Pesa C2B real-time reconciliation
- Smart escalation: SMS → Call → Visit
- Standing order & auto-debit setup
Monitor & Report
Real-time portfolio intelligence
Track portfolio-at-risk, aging analysis, repayment performance, and staff productivity through live dashboards. Generate regulatory reports with one click.
- Live PAR 1/7/30/NPL tracking dashboard
- Automated aging analysis with drill-down
- Staff & branch performance comparison
- One-click CBK-compliant regulatory reports
Grow with Confidence
Scale without breaking stride
Add branches, onboard new loan officers, launch new products, and expand to savings & SACCO operations — all within the same platform. White-label and API access available for enterprise.
- Multi-branch & multi-user role-based access
- Savings module for SACCO operations
- White-label mobile app for borrowers
- Full REST API for custom integrations
Start your journey today
Get your first loan on the platform in under 30 minutes. Free for 14 days.