From application
to disbursement.
We build loan portals for microfinance institutions, banks, and fintech lenders — where applicants apply from their phones and staff manage thousands of applications from one screen.
1.4M+
Applications processed
15+
Lending institutions
72 hrs
Avg. approval time
99.97%
Uptime across deployments
Amara O.
LN-2401Disbursement
GH₵ 45,000
Approved
Kofi M.
LN-2402Underwriting
GH₵ 12,500
In review
Yaa A.
LN-2403Document check
GH₵ 80,000
Pending
Kwame B.
LN-2404Ready to disburse
GH₵ 8,000
Approved
Akosua N.
LN-2405Insufficient collateral
GH₵ 25,000
Declined
Yaw D.
LN-2406Credit scoring
GH₵ 65,000
In review
Updated 2 sec ago
Total: GH₵ 235,500
↑ Live view of a loan portfolio. Filter by status.
The loan lifecycle
Seven stages.
One platform.
Every stage is configurable to your institution's policies. The portal moves applicants through the pipeline automatically — or pauses for a human where you want one.
Apply online
Applicants submit from any device — mobile-first, offline-tolerant, with draft saving. No branch visit required.
Verify identity
GhanaCard authentication, selfie liveness check, and phone verification. Fraud caught at intake, not at default.
Upload documents
Payslips, bank statements, collateral documents. OCR and automated checks flag anything missing or mismatched.
Credit assessment
Credit bureau pulls, affordability checks, and internal scoring. Auto-ranked by product, risk tier, and amount.
Approval workflow
Multi-level approvals with role-based access. Every decision logged with reason and approver.
Disbursement
MoMo, bank transfer, or cheque. Instant receipts to applicant. Loan ledger updated automatically.
Repayment tracking
Repayment schedules, salary deduction mandates, and arrears alerts. SMS and email reminders at every stage.
What's inside
Eight capabilities.
Full lifecycle.
Applicant portal
Self-service application, document upload, and status tracking — from any phone, on any network.
Staff workbench
Underwriter view with full applicant history, document viewer, decision notes, and bulk actions.
Fraud prevention
GhanaCard liveness, device fingerprinting, duplicate detection, and velocity checks on every application.
Credit scoring
Configurable scorecards per product. Bureau integration, affordability ratios, and cut-off automation.
Disbursement
Mobile money, bank transfer, and cheque. Batch disbursement with approval gates and reconciliation reports.
Collections
Repayment schedules, deduction mandates, arrears aging, and automated reminders.
Regulatory reporting
Bank of Ghana returns, NPL ratios, portfolio analytics, and audit-ready exports on demand.
Audit and compliance
Every action logged with user, timestamp, and reason. Immutable audit trails for regulators.
Ghana integrations
Connected to the rails
you already use.
Loan portals aren't standalone systems. They need identity, payments, credit data, and core banking — all wired in.
GhanaCard (NIA)
Identity verification and liveness checks
Credit Bureaus
Hudson, XDS, Dun & Bradstreet pulls
MTN MoMo
Disbursement and repayment collection
Telecel Cash
Alternative mobile money rail
AT Money
Additional mobile money coverage
GRA
TIN verification and tax compliance
GhanaPay / GhIPSS
Interbank transfers and settlement
Bank Feeds
Bank statement aggregation and analysis
SMS Gateways
Applicant notifications and reminders
Core Banking
Loan ledger and accounting sync
Who we build for
Six types of lender.
Microfinance
Group loans, individual loans, savings-linked lending
Universal Banks
Retail lending, SME loans, mortgage origination
Rural Banks
Community lending with local verification workflows
Fintech Lenders
Digital-first lending with instant approvals
SACCOs & Cooperatives
Member lending with savings-based limits
Development Finance
Agricultural, SME, and impact lending programs
Security & compliance
Built for regulators.
Lending is one of the most regulated activities in finance. Every loan portal we build is designed to satisfy auditors, regulators, and internal risk teams — from day one.
Every action logged. Nothing editable. Nothing deletable.
Let's talk
Ready to modernise
your lending?
Whether you're a microfinance institution, rural bank, or fintech lender — we'll map the path from intake to disbursement within 1 business day.