Microfinance Software
End-to-end automation for microfinance operations — from application to debt recovery. Fully customizable workflows tailored to your business needs, enabling complete digitalization with zero manual effort and full regulatory compliance.
Lending process automation tailored to your business goals and scale.
Flexible Configuration
Use a ready-to-go solution or adapt the system to your unique internal processes and regulations.
End-to-End Automation
Full lifecycle automation with seamless integration of third-party services and systems.
Cost Efficiency
Reduce operational overhead by automating key processes and improving overall workflow efficiency.
Core Customer Engagement Mechanisms
The system integrates with external data providers and banking services for comprehensive borrower due diligence:
Integration with banking and payment solutions for both cashless and cash-based operations:
Repayment
CRM Capabilities
Track all communication and system activities, automate customer engagement strategies, and integrate third-party services to boost sales conversion.
Flexible loan parameter calculation with the ability to modify terms and offer alternative financing options to the customer.
Design and configure credit products, defining business rules, automated workflows, and manual intervention triggers.
Automated interest and penalty accrual, payment recalculation, status updates, and automated system-wide task execution.
The system generates over 25 reports covering key financial and operational KPIs, helping analyze process efficiency and support data-driven management decisions.
Support for integration with external BI platforms for data visualization, dashboarding, and in-depth business performance analysis.
Ensures automated data exchange with your accounting system, eliminating manual entry and increasing the accuracy of financial and tax reporting.
Программное обеспечение подключено к множеству внешних источников данных, государственных служб, платёжных систем, лидогенераторов, рекламных и аналитических платформ, что обеспечивает удобный и непрерывный обмен информацией.
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Flexible role configuration and access permissions for all employee categories.
Individual access policy for all staff members:
Full audit log of all employee operations and activities:
Comprehensive Customer Interaction History
Real-time Customer Chat Support
Integration with VoIP, Email, and SMS services
System Workspaces
Trusted by Leaders
We partner with top-tier financial and non-banking institutions delivering cutting-edge financial products and services.
Still have questions about the product?
A loan origination system for microfinance organizations is software that automates the entire lifecycle of a microfinance institution: from the application and borrower verification to scoring, loan issuance, payment collection, rollover, collections, and reporting. This kind of lending pipeline is built by SPTNK, a platform for lending automation.
An MFI needs a system where the customer applies online and verification, decisioning, contracting, and disbursement all happen without manual operations. In the SPTNK loan origination system this is covered by online applications, a borrower portal, automated document generation, integrations with credit bureaus and payment services, and employee workstations.
The system requests data from external sources automatically. Anti-fraud services, customer identification services, credit bureaus, government services, social networks, and additional data sources are connected.
In the borrower portal, customers submit applications without re-entering their data, view their loan history, and extend, repay, and refinance loans. If a customer closes the page before finishing an application, they can come back and continue filling it in.
Interest and penalties are accrued automatically, payments are recalculated, and loan statuses change without any action from an employee. Loan terms can be changed and an alternative option offered to the customer, and the system generates the documents for rollover and refinancing on its own.
The system generates more than 25 reports on key financial and operational metrics. Data can be passed to external analytics platforms for dashboards, and exchange with the accounting system runs through the 1C integration.
Access rights are configured for a credit manager, analyst, risk manager, verifier, collector, operator, supervisor, and executive. All operations and customer interactions are logged; there is online chat and integration with telephony, e-mail, and SMS services.
Yes. You can use a ready-made solution or adapt the system to your own processes and regulations: credit products, rules, automated scenarios, and manual actions are all configurable.