Microfinance software
Microfinance software built for branch, group and portfolio operations
Lendvoy is a financial operating system for microfinance institutions, SACCOs and cooperatives. Member onboarding, group and individual lending, savings, collections and a double-entry ledger run in one system, with each institution isolated at the database level and its capabilities switched on to match how it is licensed.
What an MFI actually runs day to day
These are the operations already built into the platform — not a roadmap.
Field and branch operations
- Branch hierarchy with branch-scoped operators, roles and reporting
- Loan officer caseloads and collection lists per branch
- Separation of duties: originate, approve, disburse and cash handling split across roles
Lending across cycles
- Group and individual loan products with configurable rate, fee, term and cycle rules
- Flat, declining balance and equal-instalment interest methods
- Guarantors, next of kin and group members recorded against each borrower
Portfolio quality
- Arrears aging and portfolio-at-risk computed from ledger balances, not spreadsheets
- Restructuring and write-off paths that leave an auditable history
- Repayment waterfall applied consistently: penalties, fees, interest, principal
Savings and deposits
- Savings products, teller desk deposits and withdrawals, interest posting
- Savings-secured lending with liens held against member balances
- Reversals that post contra entries instead of editing history
Compliance and control
- KYC governed by an explicit state machine with assigned compliance tasks
- Document vault with per-institution private storage
- Immutable audit trail on every state change
Accounting
- Double-entry general ledger with a seeded chart of accounts
- Automatic journals on disbursement, repayment and reversal
- Trial balance and period reporting from the same ledger the portfolio reads
From member to ledger entry
A loan cycle moves through the same governed path every time, and each money movement lands in the general ledger as a balanced journal.
Member
Onboarding & KYC
Cycle
Loan product
Appraisal
Approval limits
Disbursement
Ledger journal
Collections
Arrears & PAR
Why regulated microfinance institutions choose it
- Every institution's data is isolated in the database itself, not by a filter in application code
- Capabilities are switched on per institution, so an MFI runs lending, savings and collections without carrying features it is not licensed for
- Regulated fields — licence details, institution type, base currency — change through a reviewed request, not a direct edit
- The ledger locks the base currency once entries are posted, so historical books stay meaningful
Pricing follows the shape of your institution
Branches, operators, active members, portfolio size and the capability modules you switch on drive the price — not a flat per-seat fee. Plans start at $349 per month.