Loans that pay themselves down.
The modern loan management platform built specifically for SACCOs and microfinance. Automate M-Pesa collections, track arrears, and scale with confidence.
Trusted by financial teams across Kenya
Everything you need to lend safely
A complete loan cycle solution designed to reduce defaults and automate the busywork.
Loan-on-Phone
Auto-approve and disburse mobile loans instantly using custom risk parameters.
Repayment Schedules
Generate highly precise principal, interest, and penalty amortization tables.
SMS Reminders
Automate collector notifications with structured payment escalation rules.
PAR Dashboard
Real-time aging analysis tracking PAR1, 7, 30, and NPL accounts.
CRB Integration
Instant credit score verification via TransUnion during application.
M-Pesa Collections
Automate loan repayments with M-Pesa C2B callbacks and instant STK push.
Catch arrears before they become write-offs.
LoanFlow continuously tracks the exact aging bucket of every active loan. Know immediately when a loan crosses into PAR 1, 7, or 30, and trigger automated M-Pesa repayment nudges before it escalates to NPL.
How it works in 3 steps
From onboarding to full automation in three simple steps.
Import Data
Upload your existing member list and loan portfolio via our smart CSV importer.
Configure Products
Set up your unique interest rates, grace periods, and penalty rules.
Automate Collections
Connect your M-Pesa Paybill and let LoanFlow handle reconciliation automatically.
Simple, transparent pricing
Pay based on the size of your institution. No hidden fees.
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Ready to transform your lending?
Join hundreds of financial teams across Kenya using LoanFlow to automate and scale. Start free for 14 days.