🇰🇪 Built for Kenya

Modern banking for every microfinance

Replace spreadsheets and manual registers with a complete loan management system — with M-Pesa payments, client portal, and branch reporting built in.

2 min

Loan disbursement

M-Pesa

Native payments

SASRA

Ready reports

📊 Portfolio Overview — Amka Credit

KES 4.2M

Active Portfolio

↑ 12% this month

318

Active Borrowers

↑ 24 new

4.2%

Portfolio at Risk

↑ 0.3%

96.1%

Collection Rate

↑ 2.1%

Business Loans62%

School Fees21%

Emergency17%

What's included

Everything your MFI needs

No add-ons. No hidden fees. No spreadsheets.

💳

M-Pesa Integration

Clients pay directly from their phones via STK Push. Repayments are recorded automatically.

📱

Client Self-Service Portal

Borrowers see their balance, payment schedule, and history. No more calling the office.

📊

Branch Manager Reports

Daily collections, PAR tracking, disbursement pipeline — ready for SASRA submission.

📩

SMS Reminders

Automated SMS 3 days before due date, on due date, and on overdue — via Africa's Talking.

👥

Group Lending Support

Chama and group loan management with individual liability tracking.

🔒

Role-Based Access

Teller, Loan Officer, Branch Manager, and Admin roles with audit trail on every action.

Pricing

Simple, transparent pricing

Per institution. Not per user. One-time setup fee covers data migration and staff training.

Starter

For small MFIs and SACCOs

KES 10,999 /month

≈ USD 85/month

Up to 200 active borrowers
1 branch
M-Pesa STK Push
Client self-service portal
SMS reminders (500/month)
Standard reports

MOST POPULAR

Growth

For growing microfinance institutions

KES 25,999 /month

≈ USD 199/month

Up to 1,000 active borrowers
Up to 3 branches
M-Pesa & bank reconciliation
Client portal + mobile web
SMS reminders (2,000/month)
SASRA-ready reports
Group lending module

Pro

For large MFIs and networks

KES 45,999 /month

≈ USD 349/month

Unlimited borrowers
Unlimited branches
Custom branding & domain
SMS unlimited
API access
Priority support & SLA
Custom reports

One-time setup fee: KES 39,000 — includes data migration, configuration & staff training

💳

↑ 8%

KES 4.2M

Active Loan Portfolio

👥

+24

318

Active Borrowers

⚠️

12 due

KES 186K

Overdue This Week

✅

↑ 2.1%

96.1%

Collection Rate (30d)

Alerts Today

Grace Wanjiku — KES 4,500 overdue by 7 days

Loan #LN-2024-0312 · Group: Mama Pesa

Peter Kamau — KES 8,200 overdue by 3 days

Loan #LN-2024-0289 · Business Loan

14 repayments due tomorrow — KES 62,400

SMS reminders sent at 9:00 AM

3 new loan applications pending review

Submitted via client portal today

Today's Collections KES 48,200 received

Mary Achieng

10:14 AM · M-Pesa

+ KES 3,500

Confirmed

David Ochieng

09:52 AM · M-Pesa

+ KES 6,000

Confirmed

Sarah Njeri

09:30 AM · Cash

+ KES 2,800

Confirmed

James Muthoni

08:45 AM · M-Pesa

+ KES 5,200

Confirmed

Recent Clients

Showing 5 of 318 active borrowers

Client	Loan Product	Balance	Next Due	Status
GW Grace Wanjiku CLI-0042	Business Loan	KES 45,000	Mar 18, 2026	Overdue
MA Mary Achieng CLI-0078	School Fees	KES 28,500	Apr 1, 2026	Active
PK Peter Kamau CLI-0023	Business Loan	KES 72,000	Mar 22, 2026	Overdue
SN Sarah Njeri CLI-0094	Emergency Loan	KES 15,000	Mar 30, 2026	Active
JM John Mwenda CLI-0116	Business Loan	KES 0	—	Closed

G

Grace Wanjiku Muthoni

📱 0712 345 678 📍 Westlands, Nairobi 🪪 CLI-0042 📅 Member since Jan 2023

Business Owner Group: Mama Pesa Repeat Borrower

Business Development Loan

LN-2024-0312 · Disbursed Jan 15, 2026

Overdue

Repayment Progress KES 15,000 / KES 60,000

25% repaid · 9 of 12 installments remaining

Principal

KES 50,000

Interest Rate

18% PA

Monthly Due

KES 4,750

Outstanding

KES 45,000

Days Overdue

7 days

Penalty

KES 475

Emergency Loan

LN-2023-0189 · Fully Repaid

Closed

Principal

KES 15,000

Completed

Aug 2023

Performance

On Time

Repayment Schedule

Jan 15, 2026

Installment 1

PaidKES 4,750

Feb 15, 2026

Installment 2

PaidKES 4,750

Mar 15, 2026

Installment 3

PaidKES 5,000

Mar 18, 2026

Installment 4 — 7 days overdue

OverdueKES 4,750

Apr 15, 2026

Installment 5

UpcomingKES 4,750

May 15, 2026

Installment 6

UpcomingKES 4,750

Hello, Grace 👋

Here's your loan summary with Amka Credit Ltd

Outstanding Balance

KES 45,000

Loan #LN-2024-0312 · Business Development Loan

Next Payment

KES 5,225

Due Date

Overdue 7 days

Remaining

9 installments

Loan Progress

Repaid so far KES 15,000 of KES 60,000

25% complete 3 of 12 installments paid

Payment History

✅

Loan Repayment — Installment 3

Mar 15, 2026 · M-Pesa · Ref: QF8X2K9P

− KES 5,000

✅

Loan Repayment — Installment 2

Feb 15, 2026 · M-Pesa · Ref: PG7W1J4M

− KES 4,750

✅

Loan Repayment — Installment 1

Jan 15, 2026 · M-Pesa · Ref: NK5R0H8L

− KES 4,750

🏦

Loan Disbursement

Jan 15, 2026 · M-Pesa · Ref: AM9T3D2V

+ KES 50,000

Need help? Contact your loan officer

Joyce Mwangi · 0722 123 456

Amka Credit Ltd — Westlands Branch

💼

↑ 8%

KES 4.2M

Gross Loan Portfolio

📈

↑ 12%

KES 620K

Disbursed This Month

⚠️

Watch

4.2%

Portfolio at Risk (PAR30)

✅

↑ 2%

96.1%

On-Time Repayment Rate

👥

+24

318

Active Borrowers

💰

↑ 0.3%

KES 176K

Total Overdue Loans

Portfolio by Product

Business LoansKES 2.6M · 62%

School Fees LoansKES 882K · 21%

Emergency LoansKES 714K · 17%

Loan Officer Performance

Officer	Clients	Portfolio	PAR
Joyce Mwangi	112	KES 1.5M	3.1%
Samuel Otieno	98	KES 1.2M	5.8%
Agnes Wambua	108	KES 1.5M	3.8%

Overdue Loans — Watchlist

13 loans · KES 176,400 at risk

Client	Loan ID	Overdue Amount	Days Overdue	Loan Officer
GW Grace Wanjiku	LN-2024-0312	KES 4,750	7 days	Joyce Mwangi
PK Peter Kamau	LN-2024-0289	KES 8,200	3 days	Samuel Otieno
RM Rose Mutua	LN-2024-0301	KES 12,400	14 days	Agnes Wambua

Client Register

Click any row to view full profile

Client	Phone	Product	Balance	Last Payment	Status
GW Grace Wanjiku CLI-0042	0712 345 678	Business Loan	KES 45,000	Mar 15	Overdue
MA Mary Achieng CLI-0078	0734 567 890	School Fees	KES 28,500	Mar 20	Active
PK Peter Kamau CLI-0023	0721 234 567	Business Loan	KES 72,000	Mar 8	Overdue
SN Sarah Njeri CLI-0094	0701 456 789	Emergency Loan	KES 15,000	Mar 22	Active
RM Rose Mutua CLI-0109	0745 678 901	Business Loan	KES 38,000	Feb 28	Overdue
AW Alice Waweru CLI-0133	0756 789 012	School Fees	KES 21,000	Mar 18	Active
DO David Ochieng CLI-0057	0767 890 123	Business Loan	KES 0	Mar 10	Closed