For lenders in Kenya, Uganda, Tanzania and Rwanda
Your loan book, out of the spreadsheet.
Applications, KYC, approvals, disbursement and repayment schedules in one workspace at your-name.peakingaccount.com. You always know who owes what, and who's late.
Takes about three minutes. Sign up with Google or email.
Loan #1042 · Business
Amina Wanjiru
Outstanding
KES 44,759
KES 85,000 · 6 months · 1.5% a month, reducing balance
| # | Due | Principal | Interest | Status |
|---|---|---|---|---|
| 1 | 5 Jun | 13,645 | 1,275 | Paid |
| 2 | 5 Jul | 13,849 | 1,070 | Paid |
| 3 | 5 Aug | 14,057 | 863 | Paid |
| 4 | 5 Sep | 14,268 | 652 | Due today |
| 5 | 5 Oct | 14,482 | 438 | — |
| 6 | 5 Nov | 14,699 | 220 | — |
One loan, start to finish
Every step is a record, not a message in a group chat.
This is what your audit trail shows for a single loan. Nobody has to ask who approved it or whether the payment was posted.
Mon 08:14
Amina Wanjiru applied for a Business Loan
KES 85,000 over 6 months
Mon 08:20
Amina Wanjiru uploaded her national ID and proof of address
Stored privately, never public
Mon 11:02
Grace, loan officer approved both documents
Amina is now verified
Mon 11:05
Grace, loan officer approved the application
Note: repeat client, clean history
Tue 09:30
Kelvin, org admin disbursed the loan
Six installments of KES 14,920 scheduled
5 Jun 09:41
Grace, loan officer recorded a repayment
KES 14,920 applied to installment 1
What's in it
The parts of lending that usually live in five different places.
Loan products you define
Flat or reducing-balance interest, weekly, fortnightly or monthly repayments, limits on amount and term, and fees or penalties attached. Schedules are generated on disbursement.
Rate
1.5% / month
Term
1–12 months
Amount
5K–500K
KYC before money moves
Borrowers upload their ID, proof of address and income, depending on the level you require. They can't apply until your team has approved the documents.
- National IDApproved
- Proof of addressApproved
- Proof of incomeWaiting for review
Arrears you see coming
Portfolio at risk, arrears aging and a book per loan officer, for any date range. Export any table to CSV for your board pack.
Your team, your rules
Admins, loan officers and borrowers each see their own view. You choose whether officers can approve, disburse or record payments, and whether they see only their own borrowers.
- Approve applications
- Disburse loans
- See every borrower
Two-step sign-in. Codes by email or SMS, required for staff or everyone. You decide.
A full audit trail. Every sign-in, decision, disbursement and settings change, with who and when.
Your own workspace. A separate address and an isolated database schema for each organization.
Who uses it
Built around how you lend, not one idea of a lender.
At signup you tell us your business model and the loans you offer. We set up starter products and the right defaults, and you change anything later.
- Microfinance & lending companiesLend your own capital to individuals and small businesses.
- Companies lending to staffSalary advances and staff loans, applied for and repaid in one place.
- Group & marketplace lendersSeveral officers, each with their own borrowers and book.
- Banks & NBFIsA separate, isolated workspace and database schema per institution.