Check-off lending,
end to end.
Originate payroll-deduction loans from pre-sale calculator to disbursement — payslip-accurate affordability, a 13-stage role-based workflow, embedded IPRS, CRB, KRA and AML checks, and maker-checker booking. One platform for banks, microfinance banks and SACCOs.
From a quote to a disbursed loan, in one console.
Every role works in the same portal — sales executives quote and capture, credit analysts assess, approvers sign off, and credit admin books and disburses. Click through the real surfaces the team uses each day.
Eleven services, one origination platform.
Each capability is an independently deployable service — affordability, workflow and compliance are built in, not bolted on.
Forward, reverse and affordability calculators with a minimum take-home rule — accurate quotes before an application exists.
Applicant, contact, employment and loan details, buy-off capture, OTP verification and reference-number generation.
The 13-stage engine with role-based stage transitions, decision recording, standard decline and return reasons, and queues.
IPRS, CRB, KRA and Comply Advantage checks plus a business-rules engine — PEP, take-home, retirement age and debt-income.
Finacle booking, maker-checker dual approval, full/partial/final disbursement, RTGS and bankers cheque, fee recovery.
Upload and verification with MinIO or Azure Blob abstraction, and check-off authorization form generation.
Per-stage time limits, breach detection and turnaround reporting — average, min and max by stage.
Every action recorded immutably — a database trigger blocks any update or delete. Your defence and reconciliation in one.
Template-driven email and SMS on workflow events — submitted, approved, declined, returned and disbursed.
Thirteen stages. Real decision gates. Every hand-off owned.
An application moves through a role-based workflow with SLA timers at each step. After credit approval, new loans and top-ups take the check-off booking path; buy-offs go through clearance first. Nothing advances without the right role acting.
Wired into the systems origination depends on.
Eight external integrations, each behind an adapter with retry, circuit-breaker and a 24-hour result cache — so a slow bureau never stalls the queue.
One codebase. Three ways to run it.
Built on .NET 9 microservices with environment abstraction — the same binary runs on your own Kubernetes, directly on Azure, or one-click from the Azure Marketplace. Regulators, infrastructure and risk appetite differ; your software shouldn't force the choice.
See check-off origination run on your own schemes.
Book a walkthrough of the calculators, the 13-stage workflow, the embedded compliance checks, and maker-checker disbursement.
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