Loan Management System for Microfinance and Credit Lenders

Manage loan origination, approvals, repayments, and portfolio risk in one platform.
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How lending operations break

Most lenders spend more time managing systems than managing their portfolio

Spreadsheets stop working at scale

Customer records in Excel. Loan schedules in Google Sheets. Repayment
tracking in notebooks. At 50 loans, you can manage it. At 500 loans,
you’re hiring people just to update spreadsheets.

Manual approvals lose you customers

Paper applications sit on someone’s desk. Credit checks happen when
staff have time. Borrowers wait three days for an answer. Good customers
go to competitors who approve in an hour.

You find out about risk too late

Without real-time tracking, you discover PAR is at 8% when you run
month-end reports. By then, dozens of loans are already 30+ days late.
Risk management becomes damage control.

Daily reconciliation takes hours

Loan software doesn’t talk to your accounting system. Mobile money
transfers get matched manually. Credit bureau pulls live in a separate
tool. End of month means three days of reconciling records across systems.

What Plug does

Run your entire lending operation on one platform

Loan Origination & Management

Digital loan applications through web or mobile. Automated credit checks against bureaus and internal data. Configurable approval workflows. Disburse to bank accounts or mobile money. Track repayments automatically.

Portfolio Monitoring & Risk

Real-time PAR and NPL tracking by product, cohort, and region. Delinquency alerts before loans go bad. Automated collection workflows. Portfolio analytics to spot trends early.

Digital Lending Infrastructure

Launch lending products under your brand. Pre-built origination, underwriting, and servicing infrastructure. Customize loan products, approval criteria, and borrower workflows. Go live in weeks.
Who uses Plug

Built for lenders across Africa

Microfinance Institutions (MFIs)
Credit Lenders
Digital Lending Startups
SACCOS
Fintech Lending Platforms
Next steps

See how it works for your operations

30-minute discovery call. We ask about current loan volume, where operations break down, and what you’ve tried before. Then show you how Plug handles your specific workflow.

Why institutions use Plug:
  • Track portfolio health in real-time (PAR, NPL, collections)
  • Customisable integrations for payment rails and data sources
  • Handles regulatory reporting and audit trails
  • Scales from hundreds to hundreds of thousands of loans
What happens next?
1

Discovery Call 30 minutes. Current loan volume, where operations break, what you’ve tried.

2

System Demo Live system walkthrough of how Plug handles your workflow

3

Implementation Most teams go live in 2-4 weeks.

Request a Platform Demo