Solutions
Lending software that knows who paid, who's late and why
For microfinance institutions, device lenders and pay-as-you-go businesses. Every loan, every repayment and every follow-up call in one place, so your officers stop chasing spreadsheets and start chasing arrears.
What you get
What changes when it's in place
Onboarding with a proper checklist
Capture the customer, their ID, guarantors and documents once. The vetting steps are built in, so nobody skips one on a busy day.
Schedules that follow your rules
Daily, weekly or monthly repayments, grace periods, penalties, top-ups and restructures, set up the way your credit policy already works.
Repayments matched without retyping
Mobile money payments land on the right loan by reference or phone number. Anything that doesn't match goes to a short queue for a person to check.
Device credit and locking
For pay-as-you-go phones and solar, each account shows the credit time left and can lock or unlock as payments arrive.
Reminders and collections
SMS reminders before a due date, and daily arrears lists per officer, so the right person makes the right call.
Reports that reconcile
Portfolio at risk, expected against collected, and performance by branch and officer. The totals match the money in the account.
Already running
EasyOwn
Device financing
A mobile app that lets a pay-as-you-go device business run sales, customers, payments and collections from a phone.
Before: Customer accounts, payments and device status were scattered across tools. Staff in the field couldn't see who had paid, whose credit was running out or which accounts needed a call.
Read how we built it
How we work
How it usually goes
Map your loan products
We sit with your credit and operations teams and write down every product, fee and penalty rule, including the exceptions people handle by memory.
Move your book across
We import your existing loans and check every balance against your records with you before anyone relies on the new system.
Train by role
Loan officers, cashiers and managers each learn the screens they use, on their own data.
Stay for month-end
We're with you for the first month-end close, when the questions that matter come up.
An honest fit
Is this right for you?
We'd rather tell you now than sell you something you don't need.
A good fit if
- You lend to hundreds of customers, or plan to, and spreadsheets are starting to crack
- Most repayments come in by mobile money
- You have officers in the field who need answers on their phones
- You want reports your board and lenders can trust
Probably not yet if
- You have a few dozen borrowers and a well-kept spreadsheet that works. Keep it for now
- You need a full core banking system with deposits regulated by the central bank
Can you move our existing loans into the new system?
Yes. We import them from your spreadsheets or old system, then check balances, schedules and arrears against your figures with you. Nothing goes live until the numbers agree.
We also run savings. Does that work?
Tell us early, because it changes the design. Some savings set-ups fit Arlvion and some need custom work, and we'll be straight with you about which yours is.
Can loan officers use it on their phones?
Yes. The system works in a phone browser, and where field work is heavy we can build a dedicated Android app, as we did for EasyOwn.
Who owns the data?
You do. You can export your customers, loans and payments whenever you want.
Tell us what's slowing your team down.
Describe it in a few lines, the way you'd explain it to a colleague. We'll take it from there, with no sales calls and no obligation.
What happens next
- We reply within two working daysWith questions about how your team works today.
- A short callTo understand the problem, on the phone or in person.
- A written proposalScope, timeline and cost. No obligation.
- +256 786 038 292
- [email protected]
- Monday to Friday, 8 am to 5 pm