End-to-end loan management — from application to collection
Stop managing your loan book on spreadsheets. BantuziLoans gives salary-advance lenders a complete platform: borrower onboarding, employer MOUs, configurable approval workflows, automated deduction files, and remittance reconciliation — all in one secure workspace.
No long-term lock-in · Zambia-hosted · Multi-tenant from day one
Active Loans
156
Portfolio
K 4.2M
Overdue
8
Deduction file ready
Zanaco · 42 employees
K 500M+
Portfolio managed
2,000+
Borrowers processed
99.9%
Uptime SLA
Zambia-first
Built for local lenders
Every tool your lending operation needs
Tightly integrated so data flows from origination through to collections without re-entry.
Loan Product Config
Define products with interest rates, fees, tenor ranges, and approval thresholds. Change rates without a developer.
Borrower Management
Full KYC profiles — NRC, employment details, salary, employer linkage, and document uploads in one place.
Employer MOUs
Track MOU status, deduction terms per employer, expiry dates, and employee rosters via CSV upload.
2-Step Approval Workflow
Threshold-based routing automatically escalates large loans to Approver-2. Full comment and audit trail on every decision.
Disbursement Tracking
Mark disbursed with date, reference, and method. System generates the reducing-balance repayment schedule instantly.
Deduction File Export
Generate employer-specific deduction instruction files per pay cycle at the click of a button.
Remittance Reconciliation
Upload the remittance CSV back and the system auto-matches payments, flags mismatches, and updates instalment statuses.
Repayment Schedules
Reducing-balance amortisation auto-generated on disbursement. Track principal, interest, and fee allocations per instalment.
Collateral Management
Log vehicle, property, or equipment collateral. Track valuations, LTV ratio, and status from pledged to released.
Document Management
Upload and version documents per borrower, loan, employer, MOU, or collateral. Folder-organised and full-text searchable.
Portfolio Reports
Loan book, PAR analysis, DPD aging buckets, disbursement summaries, and collections reports — Excel and PDF export.
Notifications & Alerts
In-app alerts for approvers and officers. Email notifications on approval milestones and overdue instalments.
Your entire MOU network — tracked, not forgotten
Most salary-advance lenders manage dozens of employer relationships across spreadsheets and email. BantuziLoans gives you a single source of truth: MOU status, deduction terms, employee rosters, and expiry alerts — all in one workspace.
- MOU lifecycle tracking from PENDING to ACTIVE to EXPIRED
- CSV roster uploads with net salary per employee
- Deduction terms configured per employer — no hardcoding
Two levels of oversight that actually protect your portfolio
Every loan follows a structured 2-step approval state machine. Loans below your configured threshold go to Approver-1 only. Loans above it automatically escalate — no manual routing, no missed steps.
- Threshold-based auto-escalation to Approver-2
- Approve, reject, or reassign with mandatory comments
- Full state history and audit trail per loan
Deduction files out, remittance files in — automatically reconciled
Generate the deduction instruction file for each employer at every pay cycle — formatted exactly how their payroll expects it. When the remittance comes back, upload it and watch the system match payments, flag mismatches, and update every instalment.
- One-click deduction file generation per employer per pay cycle
- Remittance CSV upload with auto-reconciliation
- Unmatched payments flagged for manual review
Ready to bring your loan book into one system?
From first application to final repayment — BantuziLoans handles everything. Book a demo and we'll walk you through the full workflow with your use case.
No credit card required · Data hosted in Zambia · Multi-tenant from day one