Digital finance for every lending model.
From microfinance and SACCOs to agency banking and investment funds — run onboarding, KYC, approvals, mobile-money disbursement and field collections on one compliant platform.
Trusted by lenders of every size
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End-to-end lending, savings & collections — built for modern MFIs.
Creditly is a multi-tenant lending platform built for the realities of microfinance — branch and field operations, mobile money, and the compliance regulators expect. One system runs your loans, savings, SACCO and agency banking from a single ledger.
End-to-end loan lifecycle
From onboarding and KYC to four-gate approval, disbursement and on-the-ground collection — managed from one screen.
Savings, SACCO & agency banking
Member savings, FDR/DPS, SACCO shares and agency-teller float — on the same ledger as your loans.
Compliance built in
In-duplum caps, cost-of-credit disclosures and a tamper-evident audit trail — applied automatically, by default.
One platform, built for your model
Creditly adapts to how you actually operate. Pick your model and switch on only what you need.
Turn every branch and agent into a cash point
Run agency banking end to end — float, tellers and reconciliation — with the controls a principal needs.
Talk to us about Agency Banking- Teller & till sessionsOpen and close tills, track float per teller and branch.
- Cash-in / cash-outMember deposits and withdrawals over the counter.
- Float top-up & rebalanceMove liquidity between tellers and branches on demand.
- Commission settlementTier-based fees calculated and settled to the principal.
- Nightly reconciliationExpected vs declared balances, variances flagged automatically.
Lend with confidence and stay compliant
From application to field collection, with Money Lenders Act controls built in.
Talk to us about Lending- Four-gate underwritingAppraisal → audit → committee sanction → disbursement.
- In-duplum & disclosuresInterest capped at principal; cost of credit shown up front.
- Multi-channel disbursementMobile money, bank transfer, wallet or agency cash.
- Field collectionsOfficers record repayments on the spot with instant SMS receipts.
- Delinquency trackingPAR buckets, reminders and a recovery workflow.
Run savings, shares and member loans together
A complete cooperative back office on one ledger.
Talk to us about SACCOs- Member & share registerTrack membership, share capital and contributions.
- Savings productsRecurring (DPS) and fixed-deposit (FDR) savings with interest.
- Loans against sharesMember lending with guarantor and tier rules.
- Dividends & payoutsMaturity payouts and member statements.
- Beneficiary nominationCapture next-of-kin for member accounts.
Manage investor products and payouts
Take deposits and run fixed and recurring investment products with proper accounting.
Talk to us about Investment Funds- FDR & DPS productsFixed and recurring plans with defined tenure and rate.
- Investor certificatesDownloadable certificate per investment.
- Maturity payoutsAutomatic calculation — reinvest or withdraw.
- Accrual accountingAccrual-basis interest with period-close controls.
- Regulatory reportingTrial balance, income statement and audit trail.
From meeting a customer to collecting a payment
One platform covers the entire microfinance lifecycle — onboarding, KYC, lending, disbursement and on-the-ground collections — so your officers spend time with customers, not paperwork.
Meet & onboard
Register a customer anywhere — branch or field — and capture their profile in minutes with configurable forms.
Field onboardingVerify (KYC)
Snap IDs and documents and submit for review. Risk-tiered KYC with automatic refresh reminders and an admin approval queue.
4-state KYC lifecycleApply & disclose
Pick a loan product and show the full cost of credit up front. The borrower taps to accept — with the in-duplum cap enforced automatically.
Money Lenders Act readyApprove
Four-gate underwriting keeps you compliant: Officer appraisal → Supervisor audit → Committee sanction → Disbursement compliance.
4-gate workflowDisburse
Pay out instantly via mobile money, bank transfer, in-app wallet or agency-teller cash — in a single shot or staged tranches.
Multi-channel payoutCollect in the field
Officers record repayments on the spot. Each payment is auto-applied to the schedule, the customer gets an instant SMS receipt, and arrears are tracked nightly.
On-the-spot receiptingEverything you need, built in
A complete back office for lending, savings and cash handling — no bolt-ons, no spreadsheets.
Four-Gate Loan Underwriting
Originate and approve loans through a controlled workflow — officer appraisal, supervisor audit, committee sanction and disbursement compliance.
Compliance & Audit Trail
Automatic in-duplum interest caps, tap-to-accept cost disclosures and a tamper-evident, hash-chained audit trail on every transaction.
Savings, Fixed Deposits & SACCO
Member savings, recurring (DPS) and fixed-deposit (FDR) products and full SACCO share registers — one ledger, one customer record.
Multi-Channel Disbursement & Collections
Disburse via mobile money, bank transfer, wallet or agency-teller cash, then collect in the field with instant SMS receipts.
Agency Banking & Float Control
Tellers, till sessions, float top-ups, commissions and nightly reconciliation — turn every branch and agent into a trusted cash point.
Real-Time Reporting & Dashboards
Live trial balance, income statement and portfolio-at-risk reporting, plus tailored KPIs and dashboards to steer the business.
See Creditly in action
A tour of the platform — from the lending portfolio to savings, investment and the agency network.
Digital lending that reaches every customer, wherever they are.
Branch, field or phone — onboard, disburse and collect anywhere, on one connected platform.
Request a Demo
Give your MFI the edge.
Hassle-free onboarding
Launch quickly with guided setup for a single branch, a multi-branch network or a national rollout.
Modular & scalable
Switch on only what you need — lending, savings, SACCO or agency banking — and scale without re-platforming.
Real-time customer portal & app
Give borrowers a secure web and mobile portal for balances, repayment schedules and new applications.
Continuous improvement
Regular, automatic updates keep you current with fintech trends and local regulation.
Simple pricing that grows with you
Start on a single branch and scale to a multi-branch network. Switch currency to see your local price.
Starter
Single-branch lenders getting digital.
- Core lending & loan plans
- KYC & customer management
- Mobile-money & cash disbursement
- Field collections + SMS receipts
- Single branch · up to 10 users
Growth
Multi-branch MFIs, SACCOs & agents.
- Everything in Starter, plus
- Multi-branch, roles & permissions
- Savings: FDR, DPS & SACCO
- Four-gate underwriting & approvals
- Agency banking & float control
- Reporting, GL & audit trail
Enterprise
Funds & large networks with custom needs.
- Everything in Growth, plus
- Investment-fund products
- Unlimited branches & users
- CRB / credit-bureau integration
- Custom integrations & SLA
- Dedicated onboarding & support
Prices in UGX. Other currencies are indicative, converted at live exchange rates.
Ready to digitize your lending?
See Creditly in action on your own use case — book a walkthrough and we'll tailor the demo to how you operate.
Request a Demo