Running a lending business is complex—manual approvals, scattered spreadsheets, and delayed collections can choke growth. Zama’s online loan management system gives SACCOs, MFIs, mobile lenders, chama groups, and fintechs in Kenya a single, secure platform to onboard clients, score risk, disburse loans, collect repayments, and reconcile accounting—all in real time with M-PESA.
Why Choose Zama’s Online Loan Management System?
End-to-End Automation – From application to disbursement, repayments, arrears, and write-offs.
M-PESA Integration – STK Push, Paybill/Till, C2B/B2C, automatic reconciliation, and receipts.
Credit Scoring & Risk – Custom rules (income, device, history), scorecards, KYC checks.
Flexible Products – Term loans, salary advances, asset finance, group/chama loans, BNPL.
Compliance-Ready – Audit trail, maker–checker, configurable limits, KYC/AML workflows.
Multi-Tenant & Branch-Aware – Perfect for lenders with multiple branches or partner agents.
Insightful Dashboards – NPL %, PAR 1/7/30, cohort analysis, recovery performance, ROI.
Built in Kenya for Kenyan lenders—optimized for M-PESA, local regulations, and regional workflows.
Core Features
1) Client Onboarding & KYC
Online application forms, file uploads (ID, payslip, CR12).
KRA PIN, ID/OCR capture, selfie match (optional) and blacklist checks.
Customer 360 profile: loans, repayments, notes, risk flags.
2) Loan Origination
Product templates (interest, fees, penalties, grace days).
Maker–checker approvals, underwriting notes, and risk thresholds.
Automated offer generation and e-signable agreements (PDF).
3) Disbursement
M-PESA B2C, bank transfer, or wallet.
Disbursement fees and taxes auto-applied.
Instant customer SMS/WhatsApp/email notifications.
4) Repayments & Collections
M-PESA Paybill/Till with automatic matching and receipts.
Partial/early repayments, top-ups, restructures, settlements.
Dunning schedules, penalty rules, Promise-to-Pay tracking.
5) Arrears Management
Buckets (1–7, 8–30, 31–60, 61–90, >90).
Collector queues, notes, actions, and outcome codes.
Export lists for field teams; agent app optional.
6) Accounting & Reconciliation
Double-entry ledger, loan schedules, interest accruals.
Chart of accounts, trial balance, and audit logs.
QuickBooks/Pastel export; daily bank/M-PESA settlement file.
7) Analytics & Reporting
Disbursement volume, active book, yield, PAR/NPL, recovery rate.
Product/branch performance, agent productivity, cohort curves.
Custom report builder with CSV/XLSX export.
Product Types Supported
Term Loans (weekly/monthly)
Salary Advances
Asset/Vehicle Finance (with collateral)
Group/Chama Loans (joint liability)
SME Working Capital
Buy-Now-Pay-Later (BNPL)
Security & Compliance
Role-based access control (RBAC) and IP/device restrictions.
Encrypted PII & tokens, OAuth2, SSO optional.
Maker–checker and immutable audit trail.
Automated backups and 99.9% uptime SLA.
Technology Stack (for your IT team)
Backend: Laravel (API-first), Queue workers (Horizon)
Frontend: Tailwind/Alpine or React (SPA)
DB: MySQL/PostgreSQL with read replicas
Integrations: M-PESA (C2B, B2C, STK), Pesapal/Paystack (optional), QuickBooks
Deploy: Docker, Nginx, SSL, Cloudflare, centralized logging
Typical Implementation Timeline
Discovery & Configuration – products, fees, roles, limits (2–5 days)
Branding & M-PESA Setup – Paybill/Till, callbacks, receipts (1–3 days)
Data Import – clients, balances, schedules (1–3 days)
UAT & Staff Training – pilot branch go-live (2–4 days)
Full Rollout – branches/agents, monitoring, optimization (ongoing)
Pricing (Guideline)
Starter – up to 2K clients, core LMS, M-PESA C2B/B2C, basic reports.
Growth – up to 20K clients, scoring rules, collections module, QuickBooks export.
Enterprise – 20K+ clients, multi-tenant, advanced analytics, SSO, custom SLAs.
Request a tailored quote based on portfolio size, products, and integrations.
Frequently Asked Questions
Q1: Can we keep our existing Paybill/Till?
Yes. We map your Paybill/Till to your tenant and auto-reconcile C2B payments to the right borrower.
Q2: Do you support group/chama lending?
Yes—group hierarchy, joint liability, meeting cycles, penalties, and attendance.
Q3: How do penalties and interest work?
Configurable per product (flat/reducing balance), with grace days and compounding rules.
Q4: Can we export to QuickBooks?
Yes—daily journals, settlement files, and trial balance exports.
Q5: Can we integrate CRB?
We expose APIs and webhooks for CRB pulls/pushes; direct adapters available on request.
Call to Action
Ready to digitize your lending and scale with confidence?
Talk to Zama Web Experts today.
Call/WhatsApp: +254 769 316 836
Website: zama.co.ke
Email: hello@zama.co.ke
Who Needs an Online Loan Management System?
Our platform is designed for all types of lenders in Kenya and Africa:
SACCOs & Chamas – Automate savings, group loans, and repayment schedules.
Microfinance Institutions (MFIs) – Handle thousands of small loans with accuracy.
Digital & Mobile Lenders – Run M-PESA-based disbursements and collections at scale.
Banks & Credit Unions – Ensure compliance, auditability, and real-time reporting.
Fintech Startups – Launch fast with APIs, wallet systems, and white-label branding.
Key Advantages of Zama’s Loan Management System
Faster Loan Approvals – Applications are processed in minutes with built-in scoring.
Reduced Defaults – Automated reminders, penalties, and structured collections improve repayment.
Better Customer Experience – Borrowers can apply, repay, and track loans using their phones.
Regulatory Compliance – Meets Kenya’s CBK and SASRA guidelines with audit logs.
Scalable Technology – From 500 to 500,000+ borrowers, without system slowdowns.
Customer Journey with Zama LMS
Borrower Applies Online
Mobile form, uploads documents, or agent-assisted input.
Risk Assessment
Automated credit scoring using internal and external data.
Loan Approval & Agreement
Digital contract generated, signed, and stored.
Funds Disbursed via M-PESA
Borrower receives funds instantly.
Repayment Tracking
Borrower pays via M-PESA Paybill/Till.
System auto-updates balances.
Collections & Recovery
SMS reminders, penalty calculation, arrears management.
Why Choose Zama Web Experts for Loan Management?
Local Knowledge – Built in Kenya, tailored to M-PESA and African financial ecosystems.
Affordable Packages – SaaS-based pricing to fit SACCOs, MFIs, and startups.
Proven Security – Encrypted databases, role-based controls, 99.9% uptime.
Customizable – Add features like escrow wallets, CRB checks, or QuickBooks sync.
Dedicated Support – Local engineers and trainers to guide your team.
Call to Action
Take the next step in digital lending transformation. Our Online Loan Management System helps you grow, reduce risk, and delight borrowers.
📞 Call/WhatsApp: +254 742648998
🌐 Visit: zama.co.ke
✉️ Email: hello@zama.co.ke
Integration Possibilities
Our Online Loan Management System doesn’t work in isolation — it’s designed to integrate smoothly with other systems you already use:
M-PESA APIs (Daraja, Paybill, Till, STK Push) – instant disbursement and repayment reconciliation.
Bank APIs – automate disbursement and settlement for commercial banks.
QuickBooks, Sage, Pastel – sync your financial data and avoid double entry.
CRB & Credit Bureaus – real-time credit checks and reporting.
SMS/WhatsApp Gateways – send automated reminders, receipts, and loan updates.
Document Management Systems – link contracts, ID scans, and payslips directly to loan accounts.
Common Problems Solved by Zama LMS
❌ Paper-Based Applications → ✅ Digital onboarding and automated workflows.
❌ Missed Repayments → ✅ Automated SMS reminders and penalty calculations.
❌ Revenue Leakages → ✅ Real-time M-PESA reconciliation prevents misposting.
❌ Slow Loan Approvals → ✅ Configurable rules speed up decision-making.
❌ Inaccurate Reports → ✅ One-click dashboards, exportable to Excel/CSV.
With Zama, you save time, reduce fraud, and focus on growing your portfolio.
Why Digital Transformation is Critical for Lenders
Kenya’s financial sector is rapidly digitizing. CBK reports show that over 70% of loans in Kenya are processed digitally. Lenders who fail to automate risk:
Losing customers to faster, mobile-first competitors.
High default rates due to weak monitoring.
Compliance issues with SASRA or CBK.
Inefficient manual staff work and higher operating costs.
Our online loan management system in Kenya ensures you stay ahead of these challenges with compliance, efficiency, and profitability.
Case Study – SACCO Digital Upgrade
A SACCO in Nairobi with 3,000 members switched from manual Excel loan tracking to Zama LMS. Results in 6 months:
Loan Approval Time: Reduced from 3 days to 30 minutes.
NPL Ratio: Dropped from 14% to 6%.
Portfolio Growth: Increased by 28%.
Member Satisfaction: Higher engagement through mobile apps and instant SMS updates.
This is the impact digital transformation brings when you adopt a modern online loan management system.
Next Steps
📌 Schedule a free demo of our Online Loan Management System.
📌 Let us map your current lending process and show you where automation will save time and money.
📌 Choose a starter or enterprise plan that fits your institution.
📞 Call/WhatsApp: +254 742648998
🌐 Visit: zama.co.ke
✉️ Email: hello@zama.co.ke