🏦
Loan management
Originate, appraise, approve and disburse. Track repayments, arrears and portfolio-at-risk live, with automatic penalties on overdue loans.
Built for savings & loans, susu and credit unions
Run your entire microfinance business from one calm console.
Loans, susu & savings, investments, accounting and reporting — unified. Multi-branch, GHS-native, and designed for how your team actually works.
Start with a 14-day free trial · No card required · Onboarding included
Everything a modern lender needs — in one place
GH₵ 0Processed on platform*
0Branches supported
0Customers managed*
0Uptime
Product
One platform for the whole lending lifecycle
From the first customer record to the closing balance sheet — every module talks to the next, so your books are always current and your team never re-keys a thing.
👛
Susu & savings
Open accounts, record cash and electronic deposits, run withdrawals and statements — with automated interest and balance SMS.
📈
Investments
Fixed investments with daily interest accrual, roll-over, maturity payouts and clean early-termination handling.
📚
Accounting & ledger
Asset registry, income statement and balance sheet generated from live figures. Your books, always up to date.
📊
Reports & analytics
Portfolio KPIs, PAR, disbursement and collection reports, and a live dashboard — exportable to Excel in a click.
🏢
Multi-branch & roles
Multiple companies and branches with granular, role-based permissions so every officer sees exactly what they should.
💬
Customer engagement
Automated SMS for approvals and balances, birthday wishes to customers, and platform announcements to your staff.
✅
Tasks & approvals
Route approvals through the right people with real-time task notifications — nothing slips through the cracks.
…and it all reconciles.
Every deposit, repayment and disbursement flows straight into your ledger.
See it in a demo →
How it works
From application to disbursement in minutes
- 1
Onboard
Capture the customer, documents and next-of-kin in one guided form.
- 2
Appraise & approve
Route the loan for appraisal and approval with a full audit trail.
- 3
Disburse
Release funds and generate the repayment schedule automatically.
- 4
Collect & reconcile
Record repayments and susu deposits; the ledger updates itself.
- 5
Report
Watch PAR, earnings and cash-flow in real time on the dashboard.
Solutions
Purpose-built for how you lend and save
Loans
Keep every cedi accounted for
Full loan lifecycle with appraisal, approval and rework flows, daily-accruing interest, arrears tracking and automatic penalties. Portfolio-at-risk and collection performance are one glance away.
- Configurable products & repayment cycles
- Automatic penalties on overdue loans
- Live PAR, arrears and outstanding balances
Loan #LN-10428On track
PrincipalGH₵ 8,000
OutstandingGH₵ 2,880
Rate3.5% / mo
StatusCurrent
Susu & savings
Collections your customers can trust
Record daily susu contributions and electronic deposits, run withdrawals with approvals, and send balance SMS on demand. Interest is applied automatically, and statements are always a click away.
- Cash & electronic deposits with approvals
- Automated interest & balance SMS
- Generate customer statements instantly
Susu · Ama OwusuApproved
BalanceGH₵ 3,420
This week+ GH₵ 210
InterestGH₵ 41.20
SMSSent ✓
Cash depositWithdrawalStatement
Accounting
Your books, without the spreadsheets
An asset registry, income statement and balance sheet built from your live loan, savings and investment figures — so month-end is a review, not a rebuild.
- Income statement & balance sheet
- Asset registry with depreciation
- Export everything to Excel
Income statementThis month
Interest incomeGH₵ 148,200
Other incomeGH₵ 22,050
ExpensesGH₵ 61,400
Net profitGH₵ 108,850
Pricing
Simple plans that grow with your institution
Every plan bills monthly in GHS. Start on a 14-day free trial — we help you get set up.
Free trial
GH₵ 0/ 14 days
Explore the core with your own data.
- Customers
- Susu & savings
- Guided onboarding
Growth
GH₵ 600/ month
For active multi-branch lenders.
- Everything in Starter
- Loans, Repayments & Transactions
- Investments & Reports
- SMS engagement
Scale
GH₵ 1,200/ month
Full suite for larger institutions.
- Everything in Growth
- Accounting & Ledger
- Advanced roles & branches
- Priority support
Prices shown are illustrative. Final pricing is tailored to your modules and volume.
Stories
Loved by teams that live in the numbers
“We closed our first month on Ledger in an afternoon. Loans, susu and the ledger finally speak the same language.”
“Portfolio-at-risk used to take a day to compile. Now it's on the dashboard before I finish my coffee.”
“Our susu customers get a balance SMS the moment they deposit. Trust went up overnight.”
Testimonials are illustrative of typical outcomes.
FAQ
Questions, answered
Is my data secure?
Yes. Access is protected with token-based authentication, optional two-factor sign-in, and role-based permissions so staff only see what they're allowed to.
Can I manage multiple branches?
Absolutely. Ledger is multi-company and multi-branch, with granular permissions per role, company and branch.
Do you support susu collections?
Yes — cash and electronic deposits, withdrawals with approvals, automated interest, statements and balance SMS are all built in.
Is there a free trial?
Every new institution starts with a 14-day free trial covering Customers and Susu & Savings, and we help you get set up.
Can staff have limited access?
Create roles with fine-grained create / read / update / delete / approve permissions per module, and scope users to their branch.
Do customers get notified by SMS?
Yes. Approvals, balances and reminders go out by SMS, and customers even receive a birthday message automatically.
Get started
See Ledger on your own numbers
Book a 30-minute walkthrough. We'll set up a trial with your products and show you the whole lifecycle — from onboarding to the balance sheet.
- Personalised to your institution
- Migration & onboarding support
- No obligation, no card required