Take loan applications online, assess and approve them, disburse to bank or mobile money, and track every repayment and arrear from one secure platform.
A loan management system is the software a lender uses to run the full lending lifecycle: receiving applications, checking credit and affordability, approving and disbursing loans, collecting repayments and monitoring the portfolio.
SmartPlus brings these steps into connected digital workflows for microfinance institutions, payroll lenders and community lenders, with wallet, cashback and grocery-credit features that keep customers engaged.
Customers apply online or through your staff, with documents uploaded and checked at the start.
Assessment workflows with credit bureau checks, affordability limits and approval levels.
Disburse to bank accounts or mobile money wallets, with every payout recorded.
Automatic schedules, payroll deduction or direct repayments, and a receipt for every payment.
See overdue loans by age, follow up on missed payments and track recoveries.
Portfolio size, portfolio at risk, disbursements and collections at a glance.
Wallet, cashback and grocery-credit features for customer engagement.
Role-based access, approval limits and a full record of every change.
The customer or a loan officer submits the application and documents.
Credit, identity and affordability checks with clear approval levels.
Funds go to the customer’s bank account or mobile money wallet.
Repayments by payroll deduction, mobile money or bank.
Track arrears and portfolio health as it happens.
A loan management system is software that runs the lending lifecycle: applications, credit and affordability checks, approval, disbursement, repayment collection and portfolio monitoring.
SmartPlus is built for microfinance institutions, payroll lenders, community lenders and savings groups, and for the credit, collections and finance teams that run them.
SmartPlus supports disbursement to bank accounts and mobile money wallets. The channels used in each implementation depend on the provider arrangements agreed with your organisation.
Yes. Repayment schedules can be collected through payroll deduction where an arrangement with the employer is in place, as well as by mobile money or bank.
Yes. Credit checks can be integrated with a credit reference bureau such as AzureCRI, subject to the applicable access arrangements.
Request a demo through our contact form. We will look at how you lend today and explain what configuring SmartPlus for your organisation would involve.
Looking for something else? See our broker management system, or explore all industry systems.
Tell us about your organisation and your current process. We will arrange a demonstration and explain what setting it up would involve.
