The Modern Operating System
for Chamas & MFIs
Manage your entire loan portfolio, member accounts, and compliance requirements — all in one place. Built for Chamas, SACCOs, and MFIs worldwide. Operates in 40+ currencies.
No credit card required · Free trial · Cancel anytime
TRUSTED BY LEADING SACCOS, MFIS & INVESTMENT GROUPS GLOBALLY
“"LoanVault has brought lasting stability to our group. It is built so solidly and operates so smoothly that it’s an asset we intend to run for generations to come."”
KIMANI
testing org
“"LoanVault completely eliminated our manual paper records. Our end-of-month reconciliations and member ledger updates that used to take days are now fully automated and accurate."”
joseph-admin
TESTING ORG
Everything you need to run your MFI
A single platform replacing spreadsheets, paper ledgers, and disconnected tools.
Portfolio Dashboard
Meridian Capital Cooperative · Aug 2026
Active Portfolio
USD 4.8M
+8.2% this month
PAR > 30 Days
3.1%
-0.4% this month
Total Members
2,140
+48 this month
Collections Rate
96.8%
+1.2% this month
Amara Okafor
NGN 8.5M
Priya Sharma
INR 4.5L
Kwame Mensah
GHS 12,000
Sofía García
MXN 95,000
Built for operational excellence
Every feature is designed around how Chamas and MFIs actually work — worldwide, in your currency, your language.
Real-Time Portfolio Tracking
Live PAR dashboards, aging buckets, and disbursement trends. No more waiting until month-end to understand your book.
Multi-Currency & Global FX
Operate in 40+ currencies with real-time spot rates at transaction time and daily cached rates for dashboards. Double-entry ledger in your local currency with USD system view.
Member & Chama Management
Full member profiles, next-of-kin records, loan history, and savings accounts — all linked and searchable. Built for Chamas, SACCOs, and MFIs.
Smart Bank Feed & Reconciliation
Upload bank statements and auto-match repayments to open loans. Cut manual reconciliation from days to minutes.
Audit Logs & Maker-Checker
Every action is logged with timestamp, user, and field-level diff. Four-eyes approval for disbursements.
IFRS/GAAP Financial Statements
Immutable double-entry ledger generates balance sheets, P&L, and cash flow statements compliant with IFRS or GAAP — in your local currency.
Automated Documents
Generate amortization schedules, loan agreements, and repayment statements as branded PDFs — instantly.
Mobile Money Integration
M-Pesa STK Push for collections and B2C payouts. Credentials encrypted at rest with AES-256-GCM. More gateways coming.
Free until you lend.
Less as you scale.
No subscriptions. No seat fees. You pay a small percentage of the loans you disburse — and the more you lend, the lower your rate. Invoiced in your local currency.
Volume-Based Rates
Starter
2%
KES 0 – KES 499,980
Growth
1.5%
KES 500,110 – KES 999,960
Scale
1%
Above KES 1,000,090
Rate is determined by total principal advanced in the billing month. Invoice split into 3 equal monthly instalments.
See what you'd pay
Spread across 3 equal monthly instalments:
Month 1
KES 1,993.33
Month 2
KES 1,993.33
Month 3
KES 1,993.33
✓ No loans disbursed = zero charge. Platform is completely free when idle.
* Illustrative rates. Invoices are generated in your tenant's operating currency at the rate prevailing on invoice date.
Always Free
Full platform access, zero base cost
- Unlimited member management
- Loan applications & approvals
- Savings & shares tracking
- Member self-service portal
- Audit logs & compliance reports
- Support ticket system
- 40+ currency support
- IFRS/GAAP financial statements
Pay as You Lend
Unlocked when you disburse loans
- Mobile money collections (M-Pesa, MTN, etc.)
- Bank statement reconciliation
- Advanced portfolio analytics
- Multi-branch management
- Real-time FX rates at transaction time
- Usage-based billing metering
- Priority support
Enterprise & Large Institutions
Custom negotiated rate, dedicated account manager, SLA & API access. Multi-currency consolidation reporting.
Start free. Scale with confidence.
Join Chamas & MFIs worldwide. Operate in your local currency. Pay only when your members borrow — and pay less as your portfolio grows.
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