The complete platform for running a lending business end-to-end — from the first application to the final payment, with the decisioning, collections, reporting, compliance and automation in between. Here's all of it.
Multi-step forms with document uploads, separate employed & self-employed paths, resume-later and abandoned-application reminders.
Drop the application form onto any website — even hand-coded — and applications land straight in your back office.
Past borrowers reapply from their portal in one step — their documents are already on file, so you only ask for the new amount.
New applications are checked against existing borrowers (ID, phone, name) so a repeat customer uses their real record and history.
Borrowers agree to terms with a typed signature; the exact terms, time, IP and device are recorded for your audit trail.
Every borrower scored on repayment history, defaults and completed loans.
Low-risk, within-limit applications are recommended — or auto-approved inside the limits you set. Nothing is ever auto-declined.
Record security held against a loan, value it and track coverage.
Flat or reducing-balance, with a principal/interest split on every installment.
Preset products (rate, term, fees, method) so staff pick a product instead of typing every field.
Early settlement, restructure, top-up and write-off — each logged to the audit trail.
Scotiabank & Fygaro card payments posted to the loan automatically; no card data stored.
On each due date borrowers are sent their pay-now link by email and SMS.
Every automated message carries your logo, colour and contact details, in your currency.
Pre-due reminders and an escalating 1→90-day overdue sequence over email and SMS.
Each active borrower is automatically emailed their balance, payments and next due date.
Re-engage good customers with a one-click pre-approved offer.
Customers log in to see balance, schedule and documents, reapply and pay online.
The portal installs to a phone home screen like an app — no app store.
Hold borrower savings with deposits, withdrawals, monthly interest and printable statements.
One ranked screen (and dashboard widget) of what needs a person now: decisions, due/overdue, expiring docs, loans ready to close.
Track when IDs and proofs expire and remind borrowers before they lapse.
Branches with bank-style roles (Manager, Cashier, Teller, Collector); staff see only their branch.
Track the capital funding your book — contributions, payouts and returns.
Optional email one-time-code login for staff (never mandatory).
Cash-flow, profit & loss, portfolio-at-risk (1/30/60/90), collections and officer performance.
Every change and action logged with field, old/new value and IP.
One-click Bank of Jamaica microcredit return export.
Scheduled backups to a private folder and one-click CSV export — never locked in.
Retention policy aligned to Jamaica POCA record-keeping, with gated purging.
Uploaded documents are resized and compressed on upload — typically 60–85% smaller, no loss of legibility.
Zip old documents out of the live vault into a protected archive to free space, or export them.
The demo captures prospects and runs them through an automated nurture sequence (this very page).
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