Check-off lending
you can stand behind.
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.
Simple from the outside. Anything but, behind the desk.
A salaried borrower, an employer that deducts the instalment at source, a predictable repayment — yet most lenders still run check-off origination across spreadsheets, email, a generic loan system and several manual hand-offs.
The cost is rarely one dramatic failure. It is the accumulation of small ones — and when an auditor asks what happened to a particular facility, reconstructing the answer means stitching together inboxes.
- Affordability worked out by hand
A figure is calculated from the payslip and re-keyed into the system — and one omitted deduction breaches the minimum take-home rule.
- Checks pasted from four windows
The national ID register, the credit bureau, the tax authority and a sanctions list are each checked in a separate system, then copied into the form.
- Money moving before it should
A buy-off disbursed before the other lender's clearance letter arrives; a loan booked without the break-period interest that keeps the check-off in step with the repayment schedule.
- No single record of the journey
A file passes from sales to sales management, compliance, credit analysis and approval with no record of who did what or how long each step took — and the officer who booked the loan may be the one who disbursed it.
What changes at the desk.
The same journey, guided for sales, structured for credit and operations, and evidential for compliance and audit.
Forward, reverse and affordability calculators built from the payslip, with the minimum take-home rule enforced.
IPRS, CRB, KRA and AML checks run inside the workflow and show on the reviewer's split screen, cached for 24 hours.
Booking and disbursement need an inputter and a verifier, and a database constraint guarantees they are never the same person.
Per-stage SLA limits of 4 to 48 hours with automatic breach detection and turnaround reporting.
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 — so every application is complete, verified and traceable from the first screen.
The 13-stage engine with role-based stage transitions, decision recording, standard decline and return reasons, and queues — so nothing advances without the right role acting, and every decision carries a reason.
IPRS, CRB, KRA and Comply Advantage checks plus a business-rules engine — PEP, take-home, retirement age and debt-income — so policy is applied the same way on every file, not from memory.
Finacle booking, maker-checker dual approval, full/partial/final disbursement, RTGS and bankers cheque, fee recovery — so money moves only after two people have agreed, and books exactly as approved.
Checklist-driven upload and verification, stored in MinIO or Azure Blob, with check-off authorization forms generated — so the file is complete before credit sees it.
Per-stage time limits, breach detection and turnaround reporting — average, min and max by stage — so a stalled application is visible before it becomes a complaint.
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 — so sales, credit and the customer know where the loan is without asking.
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.
Built for lenders who run check-off books.
Banks, microfinance banks and SACCOs in Kenya and the wider East African market that lend to employees of approved employer schemes by check-off — and need to stand behind every facility they originate.
A guided, controlled, measurable origination process in place of email threads and a generic loan system.
Payslip-accurate affordability, embedded IPRS, CRB, KRA and AML checks, and core-banking booking under maker-checker control.
An immutable record that satisfies an internal auditor or a regulator without stitching inboxes together.
Frequently asked questions.
How is the Workplace Banking Application different from a generic loan management system?
It is purpose-built for workplace-banking (check-off) lending rather than lending in general. It models employer schemes and their parameters, runs payslip-driven affordability with the rules workplace lending requires — minimum take-home, retirement-age and contract-maturity caps, debt-income and one-third-of-basic tests — and books repayment by check-off, including the IPPD deduction-data flow for government payrolls. It also handles buy-offs and takeovers end to end. The broader, scheme-agnostic loan lifecycle is the domain of the Creodata Loan Origination System.
Can the platform run on our own infrastructure rather than in the cloud?
Yes. It runs on Microsoft Azure, including as a transactable Azure Marketplace managed application, or entirely on-premises on Kubernetes, with feature parity between the two. The on-premises stack uses PostgreSQL, RabbitMQ, MinIO and Keycloak in place of the equivalent Azure services, while the same eleven .NET 9 microservices and Next.js portal run in both.
Does the platform connect to our core banking and compliance systems?
Yes. It integrates with the systems workplace lending relies on — Finacle for core banking (CIF, accounts, loan booking, limit marking and disbursement), IPRS for identity verification, CRB for credit history, KRA for tax-PIN validation, Comply Advantage for AML, sanctions and PEP screening, IPPD for government-payroll deductions, and DMS and RTGS for document workflow and inter-bank transfers. These are reached through an adapter layer with retry and circuit-breaker resilience, and compliance results are cached to reduce repeated calls.
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.
More on Workplace Banking
Check-Off Loans in Kenya: How Payroll-Deduction Lending Works
A practical guide to check-off (payroll-deduction) loans in Kenya — how deductions at source work for private employers and government payrolls via IPPD, the deduction-data process, and the controls a lender needs.
Compliance Checks in Loan Origination: IPRS, CRB, KRA and AML Screening
The compliance checks behind every workplace-banking loan — IPRS identity verification, CRB credit checks, KRA PIN validation and Comply Advantage AML/PEP screening — how they are orchestrated, cached and reviewed.
Credit Analysis and Underwriting for Unsecured Personal Loans
How credit analysts underwrite workplace-banking loans — the business-rules engine (PEP, CRB, debt-income, retirement age), bank-statement and net-pay checks, enhanced due diligence and the limits on varying a loan.