Built for lenders in Tanzania & East Africa
Lending software for
Loan approvals, repayment schedules, collections, deposits and double-entry books — in one secure workspace for your whole team.
- Free trial, no card
- Pay in TZS via mobile money
- Your own workspace address
- Monthly, yearly or one-time
Disbursed vs collected
Approval queue
LN2026000412
Amina Juma · Biashara Loan
TZS 1,500,000 · 12 months · 3.5% / month reducing
Repayment schedule · LN2026000398
Portfolio by product
Arrears ageing
Interactive preview · illustrative data
Everything in one place
From application to the general ledger
Every loan, repayment and deposit flows into your books automatically, across all your branches.
Loan management
Configurable loan products, a four-step approval workflow, automatic repayment schedules, penalties, fees, guarantors and collateral.
Repayments & collections
Post repayments against schedules, track arrears and delinquency, restructure loans and handle write-offs and recoveries.
Deposits & savings
Deposit types and member accounts with deposits, withdrawals and statements — ideal for SACCOs and VICOBA.
Double-entry accounting
Chart of accounts, journals, receipts, payments and bank accounts, with trial balance and profit & loss reports.
Group lending
Manage solidarity groups and their members, and import existing groups from Excel.
Reports & SMS
Portfolio, arrears, product performance and schedule-vs-actual reports with PDF & Excel export, plus SMS reminders to borrowers.
Try it
Price a loan in seconds
This is the same maths MicroFin uses to build repayment schedules. Set your products once — flat or reducing-balance interest, fees and penalties — and every loan follows them.
Interest method
Monthly instalment
TZS
- Principal
- Total interest
- Total repayable
Estimate only — excludes fees and penalties.
How it works
Up and running the same day
-
1
Create your workspace
Sign up and get a private address like yourname.microfin.space with your head office branch and a ready-made chart of accounts.
-
2
Configure your products
Set up loan products, interest methods, fees and penalties, add branches and invite staff with the right roles.
-
3
Start lending
Register customers, take applications through approval, disburse, and record repayments — your books update as you go.
Controls built in
A proper approval trail for every shilling
Loans move through New → Checked → Approved → Authorized before disbursement, each step recorded with who did it and when. Eligibility criteria, guarantors, collateral and documents are captured on the loan file.
- Separation of duties with role-based permissions
- Automatic repayment schedules, penalties and fees
- Restructuring and write-offs with recovery tracking
- Every change written to the activity log
Pay the way Tanzania pays
Subscriptions are billed in Tanzanian Shillings. Pay invoices from your workspace with mobile money or bank transfer — monthly, yearly, or once for a lifetime licence.
Security
Your portfolio data, kept separate and safe
Isolated workspaces
Each institution has its own workspace address, and every record is scoped to it. Staff can only sign in where they belong.
Role permissions
Granular permissions per module and action, branch-level access and forced password changes for new staff.
Audit logs
Logins, approvals, postings and edits are recorded with user, time and IP address.
Backups & exports
Your data is backed up regularly on managed infrastructure, and you can export reports to PDF and Excel at any time.
Pricing
Simple plans in Tanzanian Shillings
Start free, then pay monthly, yearly — or once.
Starter
For new lenders and small SACCOs getting organised.
Save 17% vs monthly
- 1 branch
- 3 staff users
- 300 active loans
- 1,000 customers
- Double-entry accounting & financial statements
- SMS notifications & reminders
Growth
For growing microfinance institutions with several branches.
Save 17% vs monthly
- 3 branches
- 10 staff users
- 2,000 active loans
- 10,000 customers
- Double-entry accounting & financial statements
- Deposit & savings accounts
- Group lending
- SMS notifications & reminders
- Excel imports (customers, loans, groups)
- Advanced portfolio & performance reports
- Loan restructuring & write-offs
- Custom roles & permissions
Enterprise
Unlimited scale, every module and priority support.
Save 17% vs monthly
- Unlimited branches
- Unlimited staff users
- Unlimited active loans
- Unlimited customers
- Double-entry accounting & financial statements
- Deposit & savings accounts
- Group lending
- SMS notifications & reminders
- Excel imports (customers, loans, groups)
- Advanced portfolio & performance reports
- Loan restructuring & write-offs
- Custom roles & permissions
- Priority support
Frequently asked questions
Move your loan book off spreadsheets this week.
Create your workspace in two minutes. Import your customers and opening balances, invite your team, and start lending.