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Microfinance & lending

Lend, collect and save with controls built in.

For digital lenders, microfinance institutions and SACCOs. Maple Microfinance runs loans and savings from application to close, with two-person approval, integrated payments and a ledger that never gets edited behind your back.

Request a demo See how it works
  • System-built schedules
  • Maker-checker approval
  • Integrated payouts & repayments

What changes

Grow the loan book without losing control

Applications come in from every channel, but money only moves when two people agree, and every correction leaves a trail.

A lending hall with columns, stacks of coins, a phone showing a loan payout and an approved card

  • Schedules worked out in spreadsheets

    Repayment schedules built by the system from the product

  • One person can create and approve a loan

    Maker-checker approval and separation of duties

  • Repayments that arrive with no reference

    Unidentified payments matched in a queue, not guessed

How it works

From application to closed loan

  1. 1

    Set up products your way

    Define each loan and savings product with its interest, fees, term and limits. Schedules are built by the system from the product, so every borrower gets the same rules.

    • Interest and fees per product
    • Savings, fixed deposit and salary accounts
    • Limits and terms enforced
  2. 2

    Approve with two pairs of eyes

    Applications arrive from your team, USSD, chat bots and mobile apps. One person raises the loan and another approves it, within the product's limits.

    • Applications from every channel
    • Maker-checker on loans and bulk payments
    • Separation of duties enforced
  3. 3

    Disburse and collect, integrated

    Approved loans are paid out through your payment integrations. Repayments arrive the same way and match to instalments. Payments with unclear references wait in a queue.

    • Payouts and repayments, integrated
    • Unidentified payments queue
    • Reminders before due dates by SMS
  4. 4

    Every shilling in the ledger

    Disbursements, repayments, interest and fees post to the general ledger. Mistakes are corrected with reversing entries, never by editing.

    • Automatic posting to the ledger
    • Reversals, never edits
    • Customers shared across partner companies

Everything in Microfinance

Everything for a well-run loan book

  • Full loan cycle

    Raise, approve, disburse, close or write off.

  • System-built schedules

    Instalments calculated from the product.

  • Interest and fees

    Configured per product.

  • Savings accounts

    Savings, fixed deposit and salary accounts.

  • Maker-checker

    One person raises, another approves.

  • Separation of duties

    Nobody can approve their own work.

  • Integrated payments

    Payouts and repayments through your payment integrations.

  • USSD, chat and apps

    Borrowers apply and repay on their phones.

  • Bulk payments

    Pay many loans at once, with approval.

  • Unidentified payments

    Matched in a queue, never guessed.

  • Reversals, not edits

    Every correction leaves a trail.

  • Ledger posting

    Principal, interest and fees in the books.

Connected by design

Microfinance works with the rest of MapleCore™

Same login, same customers, same books. Nothing to export, nothing to re-key.

The MapleCore™ platform

Built for how growing businesses really run

  • Payment integrations

    Take payments by phone, card or payment link, matched to the right customer automatically.

  • Every branch, one view

    Stock, users and books per location, with totals at head office.

  • Access you control

    Permissions down to each action, two-step sign-in and a full audit trail.

  • On the phone too

    Mobile apps for selling and managing on the move.

  • Open to your systems

    A signed REST API and ready-made integrations.

  • Hosted for you

    Runs in the cloud, backed up and monitored around the clock.

Questions

What lenders ask us

Something else on your mind? Ask us directly.

Can borrowers apply on their phones?

Yes. Applications can come in by USSD, through your chat bot or a mobile app, as well as from your staff.

How are payouts and repayments handled?

Through your payment integrations. Repayments are matched to instalments automatically, and anything unclear waits for a person to match it.

How do you stop one person approving their own loans?

Maker-checker approval and separation of duties mean the person who raises a loan or a bulk payment can't also approve it.

How are mistakes corrected?

With reversing entries. Nothing is edited after the fact, so your auditors can see exactly what happened.

Can we run savings as well as loans?

Yes. Savings, fixed deposit and salary accounts sit alongside loans for the same customers.

See Microfinance working on your own numbers

Tell us a little about your business. We’ll be in touch to understand what you need, then walk you through it with examples from your sector.

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