LendFlow: Microfinance & SACCO Core Banking Engine
One-time Deployment Fee (Starting at)
Complete financial core banking platform with member shares management, loan appraisal algorithms, automatic interest amortisation, and mobile disbursement.
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Detailed Documentation
LendFlow is an enterprise financial core platform developed for credit institutions, micro-lenders, SACCOs, and investment chamas seeking automated loan lifecycle management.
Automated Loan Lifecycle & Risk Appraisal
From initial member KYC verification to credit score calculation, automated loan approval matrices, and instant M-Pesa B2C fund disbursement, LendFlow removes human error and accelerates processing times.
Core Modules & Capabilities
- Loan Appraisal & Scoring Engine: Calculate loan limits based on savings ratios, guarantor collateral, and past repayment velocity.
- Automated B2C Disbursement & C2B Collection: Funds sent instantly via M-Pesa B2C API and collected automatically via Paybill STK push.
- Flexible Amortization Schedules: Flat rate, reducing balance, straight-line, and bullet repayment calculation models.
- Dividend & Interest Calculation: End-of-year dividend distribution and SACCO regulatory reporting (SASRA compliant).
Solution Highlights
Automated M-Pesa B2C Disbursal & C2B Collection
Flexible Loan Amortization Schemes
Member Shares & Savings Accounting
Guarantor Management & SMS OTP Approvals
Non-Performing Loan (PAR) Risk Tracking
SASRA-Standard Regulatory Reports