LendPoint
Loan Management System for Lenders in Nairobi
Nairobi is Kenya's most competitive lending market. It's home to the Central Bank of Kenya, many of the country's banks and licensed digital lenders, and a large salaried workforce. LendPoint gives Nairobi SACCOs, microfinance institutions and lenders a loan management system built for that pace: M-Pesa disbursement and automatic repayment matching, products for salaried and business borrowers, and records that stand up to CBK scrutiny.
Trusted by Nairobi lenders
Blessmarked Investments manages its loans on LendPoint in Nairobi.
"LendPoint simplified how we track loans and reconcile our books. The reporting alone saves us hours every week."
Anthony Muiruri, Founder, Blessmarked Investments
What Nairobi lenders need from loan software
Salaried borrowers and check-off loans
Many Nairobi lenders serve employees of companies, public bodies and schools. Monthly installment products fit payday cycles, and check-off loans are recorded as employer remittances against each borrower's loan. Total salary deductions are capped at two-thirds of wages, so affordability checks matter. See check-off loans and the two-thirds rule.
Digital lending under CBK's spotlight
Nairobi is where most Kenyan digital lenders operate, and where CBK's 2026 rules bite first. Those rules cover licensing or registration, pricing approval, APR disclosure, no contact with borrowers' phone contacts, and explainable automated decisions. LendPoint fixes interest, fees and schedules at approval, logs every action, and never touches phone contacts. See digital lending software and CBK licensing.
Multiple branches across the city
A lender with offices in the CBD, Westlands, Eastlands and the satellite towns needs to see each branch and the whole book. The Professional plan supports unlimited branches, a manager per branch, branch-restricted staff and approvals, and consolidated reporting.
Competition on speed
Nairobi borrowers compare lenders on how fast money arrives. LendPoint sends approved loans to M-Pesa through the B2C API, so disbursement takes minutes, not a trip to the office.
Collections without the shortcuts
Under CBK's 2026 rules, collectors may not shame borrowers, contact their phone contacts, or call outside working hours, and recoverable interest is capped by the in duplum rule. LendPoint keeps collections within those lines:
- automatic SMS reminders,
- STK push for the exact amount due,
- overdue flags from day one,
- policy-driven penalties,
- a full audit trail.
See debt collection rules for lenders.
Getting started in Nairobi
Sign up online for a 7-day free trial, set up your products, and our team onboards you remotely: bulk-uploading borrowers, migrating active loans and connecting your Paybill. There's no need for an office visit. For the national picture, including who regulates whom and a worked KES example, see our loan management system in Kenya page.
Also serving lenders in Mombasa, Kisumu, Nakuru, Eldoret and Narok.
Pricing in Kenyan shillings
LendPoint publishes its prices, so you know what you will pay before you talk to anyone.
| Plan | Best for | Monthly | Yearly |
|---|---|---|---|
| Starter | Individual lenders, single-branch SACCOs and MFIs | KES 5,000 | KES 50,000 |
| Professional | Multi-branch and growing lenders | KES 8,000 | KES 80,000 |
| Enterprise | High-volume lenders and custom integrations | Contact sales | |
A one-time KES 10,000 onboarding and migration fee applies. Every plan starts with a 7-day free trial, with no credit card required. Compare plans in detail.
Frequently asked questions
Is LendPoint available to lenders in Nairobi?
Yes. LendPoint is cloud-based, so Nairobi lenders sign up online, and onboarding, training and support are done remotely, with no office visit needed.
Can LendPoint handle check-off loans for Nairobi employers?
Lenders run check-off loans as monthly installment products and record each employer remittance against the borrower's loan. LendPoint doesn't have a dedicated employer check-off module.
Does LendPoint help Nairobi digital lenders with CBK compliance?
LendPoint fixes interest, fees and the schedule at approval, logs every action on a loan, and never accesses borrowers' phone contacts, which supports CBK's disclosure, record-keeping and collection rules. Licensing itself is between you and CBK.
How much does LendPoint cost for a Nairobi lender?
KES 5,000 a month (Starter) or KES 8,000 a month (Professional, multi-branch), plus a one-time KES 10,000 onboarding fee, with a 7-day free trial.