Build on the API Connect mobile money, SMS, bureaus and your accounting through APIs, so officers spend time with clients instead of re-typing data.
Go live in 7 days Start with ready-made loan products such as salary advance and business loans, then adjust terms, rates and fees to your policy.
Compliance handled at every step Built-in KYC, blacklist and sanctions checks, credit bureau lookups and an audit trail for every client and loan.
A loan officer's day, on one screen
What changes for the people closest to your clients.
07:30 Open today's list The collection sheet shows who is due, who is overdue and which promises to pay land today.
09:00 Visit and log Record the field visit, what the client said and the next step, so nothing lives only in a notebook.
11:00 Collect and record Post the repayment, issue the receipt and watch the balance and schedule update.
13:00 Onboard a new client Capture identity, next of kin and a photo, and screen against blacklists before you lend.
15:00 Apply and approve Submit the application with credit checks, and it goes to the branch manager for approval.
17:00 Close the day The manager sees collections against target, arrears by officer and portfolio at risk by branch.
The problems microfinance teams describe
Familiar from spreadsheets and paper registers.
The challenge The portfolio lives in spreadsheets that only one person understands.
How we help One portfolio for every branch and officer, with the same figures for everybody.
The challenge Nobody knows which officer is falling behind until it is late.
How we help Arrears and collections by officer and branch, updated as repayments are posted.
The challenge Late repayments are found when it is already too late.
How we help Reminders go out before the due date, and overdue accounts appear on the officer's list the next day.
The challenge Salary deductions are prepared and reconciled by hand.
How we help Deduction lists per employer, with what comes back matched to the right loans.
The challenge Funder and board reports take days to build.
How we help Portfolio at risk, ageing, disbursements and collections exported to Excel in a click.
Built for field lending
The tools officers and branch managers actually use.
Field visits and contact log Every visit, call and message is on the client's record.
Promises to pay Record what the client promised and be reminded when the date comes.
Employer deductions Collect through employers with deduction lists and reconciliation.
Reminders by SMS Campaigns and reminders sent from the platform to clients.
Branches and scorecards Assign clients and loans to officers and branches, and compare their results.
Portal and mobile app Clients check balances and schedules, and officers work from the field.
Loan products you can start with
Templates in the loan product form fill in sensible terms. Change anything before you save.
Product Typical term Repayment Interest basis Salary advance 1 to 3 months Monthly, from payroll Flat, per month Business loan 6 to 36 months Monthly Reducing balance Group microloan 12 to 24 weeks Weekly Flat, per month Agricultural loan 6 to 12 months Monthly, seasonal Reducing balance School fees loan 3 to 12 months Monthly Flat, per month Emergency loan 1 to 2 months Monthly Flat, per month
Reports your board and funders ask for
Ready when you need them, as screens, Excel files or through the API.
Portfolio at risk By branch, officer and product.
Arrears ageing Who is late and for how long.
Collection sheet What each officer should collect today.
Disbursements What went out, to whom and when.
Expected repayments What should come in over any period.
Financial statements Trial balance, income statement and balance sheet from the same ledger.
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
Discovery We learn your products, branches, officers, approval limits and how you collect today.
Days 2 to 3
Configure We add your products from templates, set charges, roles, approvals and loan documents under your name and logo.
Days 4 to 5
Bring your clients across We import clients and open loans from your spreadsheets or old system and check the balances with you.
Day 6
Train your team Officers, cashiers, accountants and managers practise on real examples before go-live.
Day 7
Go live and follow up You start lending and collecting, and we check in through the first weeks and month-end.
What you can run on Credit Watch
A few of the lending products these lenders run with us.
Salary advance and payday loans Business and working-capital loans Group and village loans Agricultural loans School-fees and emergency 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
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