Microfinance Management System Built for Kenyan MFIs
Lendpoint is a microfinance management system for Kenyan microfinance institutions (MFIs), credit-only lenders and micro lenders. It covers client onboarding, loan products, approvals, M-Pesa disbursement, collections, branches and accounting in one cloud system priced in Kenyan shillings.
Whether you lend KES 2,000 weekly loans to market traders or KES 500,000 asset loans to small businesses, the system follows how you already lend. You don't have to bend your products to fit the software.
The problems a micro loan management system solves
Microfinance runs on volume and thin margins. One loan officer may be following up hundreds of weekly installments. Without a system:
- officers spend their mornings reconciling M-Pesa messages instead of visiting clients,
- arrears are only visible at the end of the month, when they are already expensive to recover,
- each branch keeps its own spreadsheet and head office cannot see the whole portfolio,
- interest, fees and penalties are calculated slightly differently by different staff.
A micro loan management system fixes this by putting every client, loan and payment in one ledger. Calculations and reminders run automatically.
Features built for Kenyan microfinance
Flexible micro loan products
Create weekly, bi-weekly or monthly installment loans, or single-payment bullet loans, with terms from one week upwards. Choose flat-rate or reducing-balance interest, and set processing and legal fees, minimum and maximum amounts, and early repayment discounts per product. Decide whether fees come off the disbursed amount or are collected with repayments.
Client onboarding and credit control
Onboard clients individually or by bulk upload, with KYC details, guarantors and collateral recorded on their profile. Each client has a credit score and a loan limit, and each product has a minimum score, so officers can't lend outside policy.
Instant M-Pesa disbursement and collection
Send approved loans to the client's M-Pesa and let Paybill repayments match to the right loan automatically. Officers can trigger an STK push for the exact installment while they are with the client. Read how Paybill, STK push and C2B work together.
Collections that run themselves
Clients get SMS reminders before and on the due date and when a payment is received. Overdue installments are flagged and penalised according to your configured policy, and loans can be rolled over with a linked audit trail. Staff collection targets and performance tracking help each officer see where they stand.
Branches without the chaos
On the Professional plan you can run unlimited branches, each with its own manager. Staff only see and approve their branch's clients, and clients can be moved between branches. Head office gets consolidated and per-branch views of the portfolio.
Accounting, payroll and expenses
Every loan transaction posts to a general ledger automatically. Track branch expenses, run payroll on the Professional plan, and export a chart of accounts and an itemised profit and loss statement to Excel or PDF.
AI insights and automations
Dashboards show disbursements, collections and arrears as they happen. Insights flag trends in your portfolio, and automations take repetitive follow-up off your team's plate.
Set up your micro loan products in a free trial
Choosing microfinance software in Kenya: a checklist
Whichever vendor you choose, ask these questions before you sign:
| Question | Why it matters |
|---|---|
| Does it disburse and collect through M-Pesa natively? | Manual reconciliation is the biggest hidden cost in Kenyan microfinance. |
| Does it support weekly installments and short terms? | Many systems built abroad assume monthly loans. |
| Can borrowers without smartphones use it? | USSD access widens your market beyond app users. |
| Are prices published in KES? | Prices in US dollars move with the exchange rate. Unpublished prices usually mean negotiation. |
| Is there an audit log of every loan action? | You need it for audits, disputes and staff fraud prevention. |
| Can you try it before you pay? | A trial with your own products shows fit faster than any demo. |
Regulation and data protection
Deposit-taking microfinance banks are licensed by the Central Bank of Kenya under the Microfinance Act, 2006. Since September 2026, credit-only lenders that take no deposits must be registered or licensed by CBK as non-deposit-taking credit providers. See how to get a CBK lending licence. Whatever your licence, you are a data controller under the Data Protection Act, 2019. Lendpoint keeps each lender's data in its own isolated database schema, restricts access by staff role, and records every loan action in an audit log.
Lending digitally or through an app? See digital lending software for Kenyan credit providers.
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
What is a microfinance management system?
A microfinance management system is software that runs an MFI's lending operations end to end: client onboarding and KYC, loan products, applications and approvals, disbursement, repayment schedules, collections, accounting and reporting. In Kenya it also needs to disburse and collect through M-Pesa.
What is the best microfinance software in Kenya?
The best system is the one that fits how you lend. For most Kenyan MFIs and micro lenders that means native M-Pesa disbursement and repayment matching, weekly or bi-weekly installment products, USSD access for borrowers, branch-level controls and transparent pricing in KES. Lendpoint is built around exactly those needs.
Can Lendpoint handle weekly and daily-style micro loans?
Yes. Products can be weekly, bi-weekly or monthly installment loans, or single-payment bullet loans, with terms from one week upwards. Fees can be deducted at disbursement or collected with repayments.
Does it support flat rate and reducing balance interest?
Yes. Lendpoint calculates flat-rate and reducing-balance interest and generates the full repayment schedule at approval, including processing and legal fees.
Can I manage several branches?
Yes. The Professional plan supports unlimited branches with a manager per branch, branch-restricted staff access and approvals, and both consolidated and per-branch views of your portfolio.
How does Lendpoint help reduce defaults?
Automated SMS reminders before due dates, instant repayment matching from M-Pesa, configurable penalties and grace handling for overdue installments, credit scores and loan limits per borrower, and dashboards that show arrears as they build up rather than at month end.
How much does microfinance software cost in Kenya?
Lendpoint starts at KES 5,000 per month (Starter) and KES 8,000 per month for multi-branch MFIs (Professional), with about 17% off when paid yearly and a one-time KES 10,000 onboarding and migration fee.
Is my borrowers' data secure?
Each lender's data is held in its own isolated database schema, access is controlled by staff roles, and every loan action is written to an audit log. This supports your obligations as a data controller under Kenya's Data Protection Act, 2019.