Loan Origination System
Originate, underwrite and disburse loans in one role-gated pipeline — thirteen stages from application intake to final disbursement, with amount-based approval routing, SLA tracking and a full audit trail. Deployed in the cloud or on-premise.
From application to disbursement, one accountable path.
Behind the scenes there are thirteen role-gated stages. For everyone else, the loan moves through six clear phases — each with a named owner and a clock running against it.
Capture the borrower, accounts and loan request; attach the required documents.
Route the application to a relationship manager within the office.
Prepare the credit proposal; verify documents for completeness.
BCC, Head, MCC or Committee decide — escalated by amount.
Legal clearance, finance approval and a risk gate on large facilities.
Release funds against the approval trail and close the application.
Every officer works the same queue-to-decision surface.
No swivel-chairing between systems. Officers pick up what's assigned to them, see the full application in one aggregate view, and act — while the SLA clock and audit log run underneath. Click through the surfaces.
| Applicant | Product | Amount | At stage | SLA | Priority | Action |
|---|---|---|---|---|---|---|
JS João da Silva Business · Mara Holdings | Equipment finance | KES 65.0M | 6d | Breached | CRITICAL | Make decision |
FA Fatima Al-Mansouri Business · Al-Mansouri Co | Working capital | KES 48.0M | 4d | Overdue | URGENT | Make decision |
ML Mara Logistics Ltd Business | Trade finance | KES 12.0M | 2d | 1d left | HIGH | Make decision |
CX Chen Xiaoming Individual | Term loan | KES 9.5M | 1d | 2d left | NORMAL | Make decision |
AN Amani Njoroge Individual | Asset finance | KES 2.4M | 1d | 2d left | NORMAL | Make decision |
ZT Zawadi Traders Business | Overdraft | KES 6.0M | 0d | 3d left | NORMAL | Make decision |
Thirteen stages, each gated to a role.
The workflow engine enforces who can act at every step and where the application goes next. Higher-value loans pick up extra committee and risk gates; smaller ones take the short path. No stage can be skipped, and nothing moves without a recorded handoff.
The loan amount decides who signs off.
Approval authority is tiered. Each decision point checks the amount against the next limit and routes the application up or onward — so a small asset-finance deal clears in a few hands, while a multi-million facility gathers every committee and risk sign-off it needs.
Built for accountable, auditable lending.
The workflow engine orchestrates intake to disbursement, gating each stage to a role with explicit, recorded handoffs.
Loan value automatically routes applications through BCC, Head, MCC, Committee and Risk gates — checked at every decision point.
Every stage is timed against a target; overdue and breached applications surface with priority and escalation.
Every decision, assignment and document action is logged with actor, timestamp and a correlation ID for distributed tracing.
Applications, queues and approval limits are scoped per office, so each branch sees and acts on only its own pipeline.
Products, categories, fees, collateral, requirements and routing rules are configured per market — no code changes.
Templated, message-queue-backed email keeps officers and committees moving the moment work lands in their queue.
Role-based access integrates with Entra ID in the cloud or Windows / LDAP on-premise — least privilege by default.
A portal over six services — your cloud or ours.
A Next.js portal fronts a backend-for-frontend proxy that injects credentials server-side, so the browser never sees a service key. Behind it, six independent .NET services each own one concern. The same build runs on Azure or on your own Kubernetes.
Identity, storage and messaging sit behind abstractions, so every feature works the same on Azure or in your data centre — and authentication follows your estate.
Role-based access, scoped per office. Authentication adapts to where you run.
See a loan move from application to disbursement.
A live walkthrough on a realistic pipeline — your products, your offices, your approval limits.
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