About Microlender
Microlender is a loan management software from Cladfy that supports microfinance businesses. It combines credit scoring, loan management system, and Mpesa statements analysis so financial institutions can efficiently manage their lending processes. With features such as bank statement analysis and KYC & KYB integration, Microlender helps ensure compliance and improve customer onboarding. Additionally, the platform provides APIs for smooth integration with other systems and tools like Cladfy Copilot and eSignatures for digital documentation. Users can access resources including a help center and blog for ongoing support. Key capabilities: Credit Scoring Loan Management System Mpesa Statements Analysis Bank Statement Analysis KYC & KYB Integration Best for: microfinance institutions that need to manage lending operations effectively.
Microlender is an enterprise-grade Lending Management System (LMS) specifically architected for Microfinance Institutions (MFIs), SACCOs, and Fintech startups. In the 2026 financial landscape, where traditional credit data remains scarce in emerging markets, Microlender serves as an intelligence layer that automates the entire "Borrower Journey." The software is built on a modular, API-first architecture, allowing financial institutions to launch various credit products—ranging from small business loans and school fee financing to agricultural credit—without rewriting their core banking code.
Pros & Cons
- Allows a small team to manage thousands of active loans through high-level automation and "touchless" processing.
- The combination of offline mobile tools and USSD Fallback ensures that the platform works anywhere a mobile signal exists.
- The use of AI and alternative data provides a more accurate picture of a borrower's "ability and willingness to pay"
- Setting up the custom risk-scoring parameters requires significant input from actuarial and risk experts.
- The accuracy of the credit scoring relies heavily on the quality of data provided by telcos and utility companies.
- While it saves money in the long run, the initial investment in cloud servers and mobile hardware for agents can be high.
Features
Key features
A rule-based engine that evaluates loan applications against institutional risk policies in milliseconds, ensuring unbiased and rapid approvals.
Support for loan applications via USSD, Web, Mobile App, or field agent tablets, providing 100% market coverage across all technology levels.
Live visualization of "Portfolio at Risk" (PAR), disbursement volumes, and collection efficiency, allowing management to make data-driven decisions instantly.
Additional features
Ingests telco, utility, and social data to generate credit scores for users without traditional bank histories.
Integrated tools for capturing national ID photos, "liveness" checks, and fingerprint data to prevent identity fraud.
Automated integration with mobile money providers (like M-Pesa or MTN) for near-instant funds transfer once a loan is approved.
Automated scheduling of EMIs (Equated Monthly Installments) with multiple repayment channels supported.
Specialized logic for managing Joint-Liability Groups (JLGs), where members act as mutual guarantors for each other's loans.
Secure, encrypted storage of digital loan agreements, IDs, and collateral photos.
Built-in templates for generating mandatory reports for Central Banks and credit bureaus.
Analyzes historical repayment patterns to identify borrowers likely to default before their first missed payment.
Pricing
Countries & Languages
Available in
Interface languages
Billing currencies
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About Microlender
Microlender is a loan management software from Cladfy that supports microfinance businesses. It combines credit scoring, loan management system, and Mpesa statements analysis so financial institutions can efficiently manage their lending processes. With features such as bank statement analysis and KYC & KYB integration, Microlender helps ensure compliance and improve customer onboarding. Additionally, the platform provides APIs for smooth integration with other systems and tools like Cladfy Copilot and eSignatures for digital documentation. Users can access resources including a help center and blog for ongoing support. Key capabilities: Credit Scoring Loan Management System Mpesa Statements Analysis Bank Statement Analysis KYC & KYB Integration Best for: microfinance institutions that need to manage lending operations effectively.
Microlender Details
Microlender's In-App Market Place
Does Microlender have an in-app market place?
Yes
How many Mini-Apps in the marketplace?
1
Mini Apps
N/A
Pricing Options
Accepted Payment Currencies
kENYA SHILLINGS(KES)
Pros & Cons
- Allows a small team to manage thousands of active loans through high-level automation and "touchless" processing.
- The combination of offline mobile tools and USSD Fallback ensures that the platform works anywhere a mobile signal exists.
- The use of AI and alternative data provides a more accurate picture of a borrower's "ability and willingness to pay"
- Setting up the custom risk-scoring parameters requires significant input from actuarial and risk experts.
- The accuracy of the credit scoring relies heavily on the quality of data provided by telcos and utility companies.
- While it saves money in the long run, the initial investment in cloud servers and mobile hardware for agents can be high.
Microlender's Support Options
Email Address
info@cladfy.comContact
+254 720 388234Microlender's Alternatives
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