01
Apply against policy
The request is captured and immediately evaluated against membership, savings multiples, affordability and product eligibility — so weak applications stop early, politely.
Move loans faster, without losing control.
Products, applications, guarantors, appraisal, approvals, disbursement and repayment — one disciplined lifecycle from request to closure.
Umoja SACCO · Credit desk
Loan pipeline
Active portfolio KES 74M · 1,208 loans
Application
8LN-2051
KES 220,000
LN-2050
KES 95,000
Guarantors
5LN-2046
KES 620,000
LN-2044
KES 150,000
Appraisal
4LN-2047
KES 180,000
LN-2043
KES 310,000
Approved
12LN-2048
KES 450,000
LN-2045
KES 80,000
The loan lifecycle
Four stages. Zero blind spots.
02
Secure the guarantee
Guarantor capacity, existing exposure and consent are validated before the application moves — no manual exposure spreadsheets, no surprises at recovery time.
03
Appraise and approve
Decision-makers see the full member position, supporting documents and a traceable recommendation. Maker-checker limits keep every approval within policy.
04
Disburse and collect
The schedule is created automatically, the disbursement posts to the ledger, and every repayment stays connected to the loan from first instalment to closure.
Lending guardrails
Speed for members.
Discipline for the board.
Fast lending is only valuable when policy, people and portfolio risk remain visible at every step.
- Configurable products
- Rates, terms, limits, charges and repayment methods built around your lending policy.
- Guarantor validation
- Capacity, exposure and consent checked before approval — not after default.
- Maker-checker approvals
- Defined limits, attached evidence and reasons on every decision.
- Portfolio health
- Arrears, ageing, expected collections and concentration while there is time to act.
100%
of loan decisions linked to their makers and checkers
1 view
for exposure, guarantees, arrears and repayment progress
0
manual schedules needed after an approved disbursement
Ready when your SACCO is
Lend with speed the auditors will approve of.
Book a 30-minute walkthrough tailored to the products, approval paths and reporting needs of your SACCO.
Request a demo