Everything your lending operation needs
From the first borrower application to the final collected instalment — BantuziLoans handles the entire lifecycle without spreadsheets.
Book a DemoLoan Origination
Configurable Loan Products
Define any number of products — interest rates, processing fees, insurance fees, tenor ranges, and approval thresholds. All config, no code changes.
Borrower Profiles
Full KYC: NRC, employment details, net salary, employer linkage. Upload NRC scans, payslips, and supporting documents directly to the borrower record.
Loan Application Form
Officers originate applications against configured products. System previews the amortisation schedule before submission.
Eligibility Checks
System enforces MOU active status and salary-to-instalment ratio rules before any application can be submitted.
Employer & MOU Management
Employer Registry
Maintain a full registry of employer organisations with contact persons, status, and linked MOUs.
MOU Lifecycle
Track MOUs from PENDING through ACTIVE to EXPIRED. Upload MOU documents and configure deduction terms per employer.
Employee Rosters
Upload CSV rosters with employee names, NRC numbers, and net salaries. Rosters are versioned so updates don't overwrite history.
Expiry Alerts
Get notified before MOUs expire so you can renew before loan eligibility is affected.
Approval & Disbursement
2-Step Approval Workflow
Configure the threshold above which Approver-2 must sign off. Below-threshold loans go to Approver-1 only. Full reassignment supported.
Decision Comments
Every approve, reject, or reassign action requires a comment. Full decision history is retained per loan forever.
Disbursement Recording
Approver-2 records disbursement with date, method, and reference. System auto-generates the repayment schedule and activates the loan.
Amortisation Engine
Reducing-balance schedule with Zambian convention. Principal, interest, and fee breakdown per instalment.
Collections & Reconciliation
Deduction File Export
Generate the employer deduction instruction file per pay cycle. Formatted to the employer's exact specification.
Remittance Reconciliation
Upload the remittance CSV. System auto-matches by NRC and instalment number. Mismatches flagged for manual resolution.
Payment Allocation
Payments allocated across principal, interest, and fees per instalment. Partial payment tracking included.
DPD Aging Analysis
Current / 1–30 / 31–60 / 61–90 / 90–180 / 180+ day buckets with PAR ratios per employer and portfolio-wide.
Documents & Compliance
Document Management
Upload, version, and organise documents per borrower, loan, employer, MOU, or collateral. Folder structure configurable per tenant.
Collateral Tracking
Log vehicle, property, or equipment collateral. Record valuations, LTV ratios, and track status from PENDING_VALUATION to RELEASED.
Audit Trail
Every state change, approval decision, and document upload is logged with actor, timestamp, and action. Immutable and non-deletable.
Reports & Exports
Loan book, disbursement, collections, and user activity reports. Export to Excel or PDF with date range filters.
Ready to see it in action?
Book a live demo and we'll walk through the full workflow with your use case.
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