Loan origination software for Uganda's banks, SACCOs and microfinance lenders.
One credit workflow from application to disbursement for lenders supervised by the Bank of Uganda and UMRA: approvals routed by loan amount, a clock on every stage, and a record of who approved what.
A credit workflow Uganda's regulators can follow.
Banks, credit institutions and MDIs answer to the Bank of Uganda; SACCOs, money lenders and non-deposit-taking MFIs to UMRA. Whichever supervises you, the examiner asks the same things of a loan file: who assessed it, who approved it and on what evidence.
Apply the approval authority in your board-approved credit policy
The loan amount routes each application through branch committee, head, management committee, board and risk gates, and every decision endpoint re-checks the amount server-side before it routes. Limits are set per office.
Collect and verify KYC and credit evidence (NIRA national ID, bureau report, financials)
Each loan product carries its own list of required documents, checked at document verification before the file reaches a credit decision. Bureau reports and ID verification results can be made mandatory per product.
Keep a record of who assessed and approved each loan
Every decision, assignment and document action is logged with the actor, a timestamp and a correlation ID, so the approval trail is read from the log rather than rebuilt from email.
Know where every application is waiting
Each stage is timed against a target; overdue and breached applications surface with priority and escalation, by office.
Book and disburse through the core system
Approved facilities pass to your core banking or SACCO system over a message bus for booking and disbursement, after legal, finance and, for large facilities, risk sign-off.
Protect borrower personal data
Role-based access follows your directory with least privilege by default, service keys stay server-side, and the on-premises edition keeps borrower data in your own data centre.
This maps software capability to common lending requirements; it is not legal advice. Integrations with national ID, credit bureau and core systems are confirmed per institution during scoping.
For Uganda's regulated lenders.
Built for lenders whose credit decisions pass through more than one pair of hands, and who have to show afterwards who approved what.
Corporate, SME and retail lending under Bank of Uganda supervision, with branch, management and board approvals routed by amount.
Configurable products, fees, collateral and document requirements per branch, with SLA timers that show where turnaround is lost.
Member and customer loans with credit-committee and board approval, per-branch queues and an audit trail ready for UMRA or its successor.
Frequently asked questions.
Can the loan origination system be configured for lenders in Uganda?
Yes. Loan products, categories, fees, collateral, required documents and routing rules are configured per institution, and approval limits are set per office, without code changes. The 13-stage workflow, committee routing by loan amount, SLA timers and audit trail are the same software Kenyan lenders use.
Which lenders does UMRA regulate?
The Tier 4 Microfinance Institutions and Money Lenders Act 2016 set up the Uganda Microfinance Regulatory Authority (UMRA) to license and supervise Tier 4 institutions: SACCOs, non-deposit-taking microfinance institutions, self-help and community groups, and money lenders. In November 2024 Parliament passed a bill returning UMRA's functions to the Ministry of Finance; check the current position with UMRA or the Ministry. Banks, credit institutions and MDIs are supervised by the Bank of Uganda.
Does it connect to the NIRA national ID and the credit bureaus in Uganda?
Not out of the box. In Uganda, an ID verification result and a credit report from a Bank of Uganda-licensed bureau can be made required documents for any loan product, checked at document verification before the file reaches a credit decision. Direct integrations are scoped per institution. The IPRS, CRB and KRA integrations in our Kenyan Workplace Banking Application are specific to Kenya.
Where is borrower data hosted?
The same build runs on Microsoft Azure or on your own Kubernetes cluster, with feature parity. If borrower data must stay in Uganda, the on-premises edition keeps it in your own data centre.
Does it replace our core banking or SACCO system?
No. The loan origination system decides whether and on what terms to lend, and records who approved it. Approved facilities pass to your core banking or SACCO system for booking, disbursement and servicing: the schedule, repayments and arrears stay there.
See a loan move from application to disbursement.
Your products, your approval limits and your offices, in a live demo of the loan origination system.