A modern, secure loan management platform designed for microfinance institutions, SACCOs, and digital lenders. Manage loans, repayments, clients, and risk with confidence — all in one system.
Creda Loans Management System is a powerful, end-to-end platform built to manage the full loan lifecycle — from application and approval to repayment tracking and reporting.
The system centralizes borrower data, loan schedules, payments, penalties, and risk indicators — helping lenders reduce defaults, improve recovery, and operate efficiently at scale.
A complete loan management infrastructure designed to help lenders manage borrowers, control risk, track repayments, and grow sustainably.
Digitally capture, review, and approve loan applications with configurable workflows and approval levels.
LOAN INTAKEGenerate monthly, weekly, or custom repayment schedules with interest, penalties, and balance tracking.
AUTOMATEDTrack overdue loans, missed payments, penalties, and borrower risk indicators in real time.
RISK CONTROLMaintain complete borrower profiles including guarantors, documents, loan history, and payment behavior.
BORROWER DATAEvery approval, edit, and payment is logged with user, timestamp, and institution for transparency.
FULL TRACEIntegrate Creda Loans with payment gateways, mobile apps, accounting systems, and external platforms via secure APIs.
API READYPrevent multiple borrowing and over-exposure by maintaining a centralized view of borrower loans across institutions.
CENTRAL RECORDBuilt with encryption, role-based access control, and strict audit policies to protect sensitive financial data.
DATA SECURECreda Loans Management System provides secure, well-structured APIs that allow lenders and fintech platforms to integrate loan management directly into mobile apps, accounting systems, payment gateways, and internal platforms.
// Example: Create a new loan
POST /api/v1/loans
{
"client_id": 102,
"amount": 5000,
"interest_rate": 15,
"duration_months": 6
}
// Response
{
"status": "approved",
"loan_id": "CRD-2026-0041",
"monthly_payment": 975,
"outstanding_balance": 5000
}