MFB-grade lending software, ready in a day.
Built for licensed microfinance banks and informal lenders alike. Individual loans, group lending, member savings, and CBN-aligned reporting all in one place.
- Group lending with shared liability tracking
- Member profiles with savings + loan history
- Configurable approval flows for branch hierarchies
- CBN-style portfolio and delinquency reports
What lenders in this space tell us.
Compliance reporting eats time
Monthly portfolio-at-risk reports, NPL classifications, and CBN returns done in Excel are slow and error-prone.
Group lending is messy
Tracking who borrowed in which group, shared liability, and cycle status across paper records doesn't scale.
Branch operations diverge
Each branch invents their own process. Head office has no consistent view of the book.
Everything you need to run this product line.
Group lending workflows
Create lending groups, track cycle progression, and manage shared-liability defaults across members.
Member profiles
Each borrower has a full profile — KYC, savings balance, loan history, guarantors, employment.
Branch & role hierarchy
Configure approval chains: loan officer → branch manager → head of credit, with audit logs at every step.
Savings + loans linked
Voluntary and compulsory savings tracked alongside loan accounts. Use savings as part of credit assessment.
KYC + BVN built in
Identity verification on every member. No more loose-leaf KYC binders or photo IDs in WhatsApp.
Portfolio reports
PAR, NPL classification, write-offs, and recovery rates calculated automatically per branch and product.
Microfinance, modernised.
Whether you're a licensed MFB or a community lender, LoanHQ gives you the operational backbone in a day.