A loan management system for lenders in Uganda
Software built for microfinance institutions, money lenders and SACCOs: set up loan products, approve applications, disburse by MTN or Airtel Mobile Money, track repayments, arrears and penalties, and pull a portfolio report from your phone.
Custom quote Scoped to your loan products, book size and reporting needs. On a 50/25/25 payment plan.
What your loan system handles
Every module is built around how lending actually runs in Uganda and East Africa: mid-range Android, slow data and Mobile Money as the default rail for money in and out.
Loan products your way
Define each product with its own interest method, term, fees and eligibility, so a 30-day salary advance and a one-year SACCO loan follow different rules automatically.
Applications and approvals
Capture applications, attach client KYC and guarantors, and route them through your approval steps so a loan officer records it and a manager signs it off with a clear audit trail.
Disburse by Mobile Money
Send approved funds straight to an MTN or Airtel number and log the transaction reference, so disbursement and its record stay tied together instead of living in a separate app.
Repayment schedules and reminders
Generate a full schedule per loan, mark payments as they come in over Mobile Money, and flag instalments that fall due so officers know who to follow up this week.
Arrears, penalties and interest
Track days in arrears per client, apply your penalty rules to late instalments, and calculate interest on flat or reducing balance so the numbers match your loan policy exactly.
Statements and portfolio reports
Print a client statement showing every disbursement, repayment and balance, and pull portfolio reports on outstanding principal, arrears rate and collections for your books and your board.
Built for the way you actually lend
A loan book runs on trust and accurate numbers. The system is built so field officers, managers and the person reviewing the portfolio all see the same figures.
- Mobile Money native. Disbursement and repayment are built around MTN and Airtel from the start, not bolted on as an afterthought.
- Works on the phones your team has. Runs on mid-range Android over slow data, so loan officers can record repayments in the field, not only at the office.
- A ledger you can trust. Balances follow double-entry accounting, the same discipline behind our Moyo Pay wallets, so your books stay in balance.
- Roles and permissions. Loan officers, managers and accountants each see and do only what their role allows, with an audit trail on approvals and edits.
- Your data stays yours. Export the client book, the loan book and every statement whenever you need to, with no lock-in.
Why trust us to handle money
We have not built your exact loan system yet, and we will not pretend otherwise. What we can show is proof that we build financial software that moves real money and keeps accurate books. Moyo Pay is our dual-currency fintech wallet running on a double-entry ledger with Mobile Money and USSD, the same ledger discipline a loan book needs. Growth Informer Business is our own live cloud platform for POS, inventory and business management that owners run from their phone. That is the foundation your loan management system is built on.
Loan system questions
It is a custom quote, because the price depends on your loan products, book size, Mobile Money integrations and reporting needs. Business websites start from UGX 1,000,000, but systems like this are scoped and quoted for your case. Tell us how you lend on WhatsApp and we give you a clear figure.
It depends on scope, but a focused first version with loan products, approvals, Mobile Money disbursement, repayment schedules and core reporting is realistic in a matter of weeks, not months. We agree the timeline in writing before we start and build in stages so you see progress.
Every project runs on a 50/25/25 plan: 50 percent to start, 25 percent at the review stage when you see the working system, and 25 percent at completion. You are never asked for the full amount up front.
You do, completely. You own the source code, the database, the client book and every statement. There is no per-user licence trap and no lock-in, and you can export your data or move hosting whenever you want.
Yes. We build it around your structure, so a SACCO can track member records, link loans to guarantors and savings, and run committee approvals, while a money lender can keep it lean with fast disbursement and arrears tracking. We scope it to how your institution actually operates.
Run your loan book on
software you own
Send us your loan products, your typical loan sizes and how you disburse today. We will scope a loan management system for your lending business and give you a clear quote on WhatsApp.
Talk on WhatsApp