Everything your Ugandan lending business needs
From recording loans in UGX to automating SMS reminders across your branches, Nfunayo has every tool you need to manage, track, and grow your lending operations.
500+
Institutions Served
UGX 2B+
Loans Tracked
94%
Collection Rate
99.9%
Uptime
Full loan lifecycle in UGX
Issue loans with principal, interest rate, fees, and repayment terms - all in Uganda Shillings. Track each loan from application through disbursement to full repayment or write-off.
- Set flat or reducing balance interest methods
- Auto-calculate repayment schedules
- Attach guarantors with ensured amounts
- Link collateral records & documents
- Track fees - processing, insurance, and penalties
- View full repayment history per loan
Loan #LN-0042 - Akello Sarah
ActivePrincipal
UGX 500,000
Interest Rate
10% / month
Term
3 months
Total Repayable
UGX 650,000
1 of 3 repayments made - UGX 216,667 paid
Automated reminders that reduce defaults
Schedule automatic SMS and email reminders before, on, and after payment due dates. Messages are personalised with client name and amount due in UGX.
- Automated SMS before due date
- Same-day payment reminders
- Overdue escalation messages
- Personalised with client name & UGX amount
- Email statements & payment receipts
- Delivery reports for every message sent
Dear Akello Sarah, your loan repayment of UGX 216,667 is due on 15 Apr 2026. Please ensure timely payment. - Nfunayo
Sent via Africa's Talking · 10:32 AM
Received! I will pay today. Thank you for the reminder.
Client reply · 10:45 AM
Payment confirmed! UGX 216,667 received. Remaining balance: UGX 433,333. Thank you!
Auto-sent after payment · 2:15 PM
Know your clients with full KYC profiles
Build complete client profiles with contact details, ID information, loan history, guarantors, and document attachments - all searchable in seconds.
- Full contact and ID information
- Guarantor records with contacts
- Complete borrowing history per client
- Client risk and reliability scoring
- Document and photo attachments
- Search across entire client database
Mutebi Okello
Good StandingPhone
+256 772 000 000
Active Loans
2
Total Borrowed
UGX 3.5M
Reliability
82%
REPAYMENT RELIABILITY
Make smarter lending decisions
Real-time dashboards and exportable reports help you understand your portfolio health, identify overdue risks, and present clear figures to stakeholders or oversight bodies.
- Portfolio summary dashboard in UGX
- Overdue & at-risk loan reports
- Monthly income & interest reports
- Collection efficiency trends
- Export to PDF, CSV, and Excel
142
Active Loans
18
Overdue
94%
Collection Rate
MONTHLY COLLECTIONS (UGX)
Record every payment with precision
Log repayments instantly, handle partial payments, and auto-update outstanding balances. Every collection is timestamped with a complete audit trail.
- Record full and partial repayments
- Auto-update outstanding balance across principal, interest, fees, and penalty
- Timestamped payment receipts
- Multiple payment method tracking
- Full audit trail per loan
- Payment photo or receipt attachment
Payment History - #LN-0041
UGX 650,000 TotalManage across Uganda from one account
Run multiple branches or locations under your institution. Each branch has its own staff, clients, and loan portfolio - fully isolated for security, all visible from your central dashboard.
- Create unlimited branches under your institution
- Assign staff with branch-specific permissions
- View consolidated reports across all branches
- Data isolation - staff see only their branch
- Track performance per branch and location
- Works across Kampala, Mbarara, Gulu, and all districts
Your Institution
3 BranchesKampala Head Office
ActiveMbarara Branch
ActiveJinja Branch
ActiveEvery tool you need, nothing you don't
Designed for Ugandan lending institutions. Built for UGX, multi-branch, and real-world collections.
Loan Issuance
Issue loans with full terms, interest method, and auto-calculated schedules.
SMS Reminders
Auto-send SMS before, on, and after due dates via Africa's Talking.
Email Statements
Send monthly statements and payment receipts directly from the platform.
Payment Recording
Log cash payments with instant balance updates across principal, interest, and fees.
Portfolio Dashboard
Real-time overview of your entire loan portfolio health in UGX.
Overdue Alerts
Dashboard highlights all overdue loans and flags at-risk accounts.
Client Profiles
Full borrower profiles with loan history, guarantors, and risk scoring.
PDF & Excel Reports
Export schedules, statements, and portfolio summaries in multiple formats.
Mobile Responsive
Works on any device - phone, tablet, or computer. Field staff ready.
Role-Based Access
Control what each staff member can see and do per branch.
Multi-Branch
Manage unlimited branches from one account with full data isolation.
KYC & Documents
Store client ID documents, photos, and loan agreements per customer.
Guarantor Tracking
Link multiple guarantors per loan with ensured amounts and contacts.
Collateral Management
Track land, vehicle, and asset collateral with estimated values.
Expense Tracking
Record expenses per branch alongside your loan portfolio.
Loan Rollovers
Easily roll over or restructure existing loans when needed.
Two-Factor Auth
Optional 2FA via email for secure staff account access.
Audit Trail
Every payment, change, and action is logged with timestamps.
Ready to put these features to work?
Start your free trial today. No credit card needed. Full access to all features built for Ugandan lenders.
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