The lending platform
built for Africa
CreditOS is the all-in-one loan management system for micro-lenders, SACCOs, and fintechs. Originate, service, and grow your portfolio.
Used by leading lenders
Everything you need to run a lending business
From origination to collections, CreditOS handles the full loan lifecycle.
Loan Origination
End-to-end application processing, KYC, credit scoring, and approval workflows.
Portfolio Management
Real-time dashboards, PAR tracking, automated collections, and provisioning (IFRS 9).
Accounting Engine
Double-entry GL, automated journal entries, trial balance, and regulatory reports.
Mobile Money
M-Pesa, MTN MoMo, Airtel Money integration for disbursements and collections.
Multi-tenant SaaS
Unlimited users, per-loan pricing, full data isolation, and 99.9% uptime.
API-first
REST API, webhooks, real-time events, and integration with your existing systems.
Get started in three steps
Go live in under a week. No complex implementation required.
Sign up and configure
Set up your organization, loan products, and approval workflows in minutes.
Originate and disburse
Process applications, run credit checks, and disburse via mobile money.
Manage and grow
Track repayments, automate collections, and use analytics to grow your portfolio.
$50M+
Loans managed
50+
Lending institutions
99.9%
Uptime
3
Countries (UG, KE, NG)
Ready to modernize your lending?
Join leading African lenders using CreditOS to originate, service, and grow their portfolios.