Money Lending - Complete Financial Management Solution for money lending businesses

Picture this: your loan officers in Kampala, Nairobi, or Kinshasa stop chasing paper files because approvals, repayments, and borrower records are already in one clean system.

Sanaa Finance — Loan & Credit Management ERP
Built for money lenders, SACCOs, and microfinance operations across East Africa.

Manual loan tracking hides arrears, slows approvals, and makes portfolio reporting a nightmare. Sanaa Finance sets up your lending operation with a business-first approach so you can disburse faster, track repayments accurately, and stop losing money to records you can't see.

Who needs this:

🏦 Money lenders running loan books on spreadsheets and WhatsApp threads
💰 SACCOs and MFIs that need cleaner member records and repayment tracking
📊 Credit managers who need portfolio reports without chasing staff for numbers
🔄 Lending teams processing applications manually across multiple branches
📱 Fintech founders building a real digital lending operation instead of patchwork tools

What's Included

✅ Scope review so the system solves your actual lending bottlenecks
✅ Loan workflow mapping — applications, approvals, disbursements, repayments
✅ Setup, customisation, and implementation support
✅ Staff handover so your credit team can use the system from day one
✅ Rollout planning built around your lending cycle, not just a technical demo

Packages & Pricing

🟢 STARTER — UGX 150,000
Best for: individual money lenders or small lending operations getting off spreadsheets.

• Core loan book setup for Sanaa Finance
• Direct consultation with Sanaa before work starts
• Borrower records, repayment schedule, and basic reporting
• One revision pass after handover

💡 A money lender in Kikuubo invested UGX 150,000 and went from chasing borrowers by phone to tracking every repayment automatically.

🔵 BUSINESS — UGX 270,000
Best for: growing lending businesses, SACCOs, and MFIs with multiple loan officers.

• Expanded loan portfolio management and branch support
• Stronger reporting — arrears, collections, and disbursement summaries
• Multi-user setup for credit officers and management
• Priority handling and deeper configuration

💡 A SACCO in Mbarara invested UGX 270,000 and reduced loan default exposure by finally seeing their full portfolio in one place.

🔴 ENTERPRISE — UGX 480,000
Best for: microfinance institutions, multi-branch lenders, and cooperative networks.

• Multi-branch or multi-product loan book management
• Full workflow — from application intake to loan closure
• Integration with mobile money collections where applicable
• High-touch support, staff training, and ongoing coordination

💡 A microfinance operation with branches in Kampala and Mbarara invested UGX 480,000 and consolidated three separate tracking systems into one.

How It Works

Step 1: Brief & quote — same day
Share your loan products, team size, volume, and current pain points so setup starts from real requirements.

Step 2: Workflow confirmation — Day 1
You review how your loan cycle will be mapped before the main build begins.

Step 3: Build & configuration — Days 2–4
Sanaa configures the system around your lending workflow with progress updates.

Step 4: Review & adjustment — Days 3–5
You confirm the output is clean and your team can work in it before handover.

Step 5: Handover & go-live — Days 4–7
Your lending operation goes live — ready to process applications, track repayments, and generate reports.

FAQs

Does this handle mobile money repayments?
Yes where applicable. Collections via MTN Mobile Money and Airtel Money can be connected to your repayment records.

Can it handle multiple loan products?
Yes — personal loans, group loans, business loans, and SACCO shares can each be configured separately.

What if my current records are a mess?
That is normal. Sanaa will help clean and migrate your existing borrower data before go-live.

Do you support lenders outside Uganda?
Yes. Setup, training, and support can be handled remotely for operations in Kenya, Tanzania, Rwanda, and DRC.

Will my credit officers need training?
Yes, and it is included. Handover training is built into every package so your team runs the system properly from day one.

Is this a one-time setup or ongoing?
Both options are available. Some clients take the setup and manage independently; others retain Sanaa for monthly support and updates.

Not sure which package fits your lending operation? Message Sanaa on WhatsApp 256706272481 and get a direct recommendation before you commit.