For Banks

Lending infrastructure built for banks to modernise credit

Run retail, SME, asset-finance and trade-finance lending on one ledger, with the approvals, classification and audit trail a regulated bank is held to.

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Build on the APIConnect core banking, payments, identity and credit bureaus to origination, decisioning, servicing and collections through APIs.
Go live in 7 daysStart with configurable products, approval chains and provisioning bands that are ready on day one, then refine them with your credit team.
Compliance handled at every stepBuilt-in KYC, sanctions screening, classification and provisioning, and a complete audit trail on every action.

What slows banks down, and what changes

The pressure points we hear from credit, operations and finance teams in banks.

The challengeCredit policy lives in documents and in people's heads.
How we helpPolicy becomes decision rules and credit checks set per product, so every application is assessed the same way and exceptions go to the right approver.
The challengeMany branches and approvers, little visibility at head office.
How we helpBranches, officers and approval workflows are modelled in the system, so head office sees every application, limit and decision as it happens.
The challengeClassification and provisioning are a month-end spreadsheet.
How we helpProvisioning bands and non-performing rules run on the ledger, so the numbers are ready when finance closes the month.
The challengeRetail, SME and asset finance sit in different systems.
How we helpPersonal, SME, asset-finance and trade-finance lending on one ledger, with one view of each client.
The challengeThe core banking system cannot be replaced.
How we helpSit beside it. Connect through the API and post to your ledger, so nothing has to be ripped out to start lending better.

A corporate loan, from application to recovery

One facility, followed through the stages a bank cares about.

Application at the branchThe officer captures the client, KYC and documents. Sanctions and blacklist checks run on the way in.
Credit checks and rulesBureau checks and decision rules score the file and flag what needs a human.
Committee approvalMulti-step approval by role, with every decision and comment kept on the record.
Collateral and guarantorsSecurity and guarantors are recorded against the loan, with documents attached.
DisbursementFunds go out through the channel you choose and post to the ledger immediately.
Servicing and provisioningSchedules, repayments, classification and provisioning follow the loan every day.
Recovery if it turnsCollections strategies, restructures, settlement agreements and write-offs, each with an audit trail.

Governance your auditors can follow

Controls are part of how the system works, not an add-on.

Role-based permissionsEach person sees and does only what their role allows, branch by branch.
Multi-step approvalsLimits and approval chains by product and amount, so large exposures reach the right level.
A record of every actionThe activity log shows who did what and when, including changes and reversals.
Separation of dutiesPeople who prepare a loan are not the people who approve or disburse it.
Controlled data exportsAn administrator asks for an export and it is approved before the file is built.
A database of its ownEach company's records live in a database of their own, apart from everyone else's.

One platform for every kind of exposure

What you configure for each product line.

Product lineWhat you set upWhere it lives
Personal and salary-backed loansEmployer deduction lists, affordability rules, insuranceLoans
SME and working capitalCollateral, guarantors, schedules and covenants as notesLoans
Asset and equipment financeAsset register, insurance, repossession and disposalAsset finance
Trade and invoice financeFacilities, invoices and advancesTrade finance
Staff loansPayroll-linked repaymentLoans and payroll

Connect to the systems the bank already runs

We integrate around your stack instead of asking you to replace it.

Core banking and general ledgerPost and reconcile through the accounting API, and pull the trial balance and statements.

Payment railsDisbursements and repayments through the providers you already use.

Identity and KYCIdentity checks and document capture at onboarding.

Credit bureausBureau lookups as part of credit checks, with warn or block rules per product.

Data warehouse and BIArrears, portfolio-at-risk, disbursement and repayment data through the reports API.

MessagingSMS and email for reminders, notices and statements.

How we help you set up and start running

A clear plan from the first conversation to your first live loan, usually done within 7 days.

Day 1
DiscoveryWe map your products, branches, approval limits, chart of accounts and the systems the loan book has to talk to.
Days 2 to 3
ConfigureWe set up products, charges, approval chains, roles, templates, provisioning bands and your branding.
Days 4 to 5
Migrate and connectWe load clients and open loans, reconcile balances against your ledger and connect the integrations you chose.
Day 6
Test and trainYour credit, operations and finance teams run sample loans end to end and are trained on the screens they will use.
Day 7
Go live and stay closeWe go live with you and stay hands-on through the first month-end close.

What you can run on Credit Watch

A few of the lending products these lenders run with us.

Personal and salary-backed loansSME and working-capital lendingAsset and equipment financeTrade and invoice financeStaff loans

Get started with Credit Watch

See first-hand how Credit Watch can push the boundaries of your lending business. Sign up free and we will be with you every step of the way.

Get started for free Talk to our team
Or call us on +260 953 436 602