For SACCOs and Credit Unions

Lending infrastructure built for SACCOs and credit unions

Run member savings, shares and loans together, with guarantors, deductions and clear member statements.

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Build on the APIConnect mobile money, SMS, payroll deductions and accounting, and give members self-service access.
Go live in 7 daysStart with member loan products, savings accounts and share capital set up the way your by-laws describe them.
Compliance handled at every stepMember KYC, guarantor records, approvals and a full audit trail for the committee and the regulator.

A member's journey

From joining to borrowing, in one record.

JoinCapture identity, next of kin and documents, and give the member a record.
SaveSavings accounts, fixed deposits and standing orders, with signatories and nominees.
Buy sharesShare capital held and transacted next to their savings.
BorrowA loan against their savings and shares, with guarantors recorded.
RepayThrough payroll deduction, mobile money or payment links.
See their positionBalances, schedules and statements in the member portal.

Savings, shares and loans, together

The three things a SACCO is built on, in the same system.

Savings productsSavings accounts, fixed deposits and standing orders, with charges and nominees.
SharesShare products and transactions, with market periods for buying and selling.
Loans against savingsSet limits from what the member has saved and link the loan to their account.
GuarantorsRecord who stands behind each loan, and see exposure by guarantor.
Employer deductionsDeduction lists per employer and reconciliation of what comes back.
Member portalMembers see their own balances and statements under your name.

What SACCO teams are tired of

And what changes.

The challengeCommittee approvals travel on paper.
How we helpMulti-step approvals by role, with every decision kept on the record.
The challengeNobody can say how much one member has guaranteed.
How we helpGuarantors are recorded on each loan, so exposure is visible before the next approval.
The challengePayroll deductions are reconciled by hand each month.
How we helpDeduction lists out, results in, matched to the right members and loans.
The challengeMembers ask for statements all the time.
How we helpThey see their own savings, shares and loans in the portal, without calling the office.
The challengeAGM reports take weeks.
How we helpPortfolio, savings, shares and arrears reports ready in Excel.

Governance the committee can trust

Transparent by default.

Committee approvalsMulti-step approvals with a clear history.

Roles for officers and treasurersEach person sees only what their role needs.

Member documentsKYC, forms and agreements kept with the member.

A record of every actionWho did what and when, available to auditors.

Exports you controlYour data whenever you need it, approved by an administrator.

Statements and reportsMember statements and the figures for the AGM.

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 learn your by-laws, products, contribution rules, branches and committee approvals.
Days 2 to 3
ConfigureWe set up savings, shares, loan products, guarantor rules, approvals and member documents.
Days 4 to 5
Bring members acrossWe import members, savings, shares and open loans and reconcile them with your records.
Day 6
Train your teamStaff and committee practise the workflows they will use each day.
Day 7
Go liveMembers are served from the new system, with our team available while you settle in.

What you can run on Credit Watch

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

Member development loansEmergency and school-fees loansLoans against savingsAsset and housing loansShare-backed lending

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