e-Microfin — digital banking for microfinance & last-mile lenders
A complete core banking stack: loans, savings, customers, collections, reporting and integrations — packaged as a deployable SaaS or a managed instance on CT Cloud.
Everything a modern microfinance needs — operations, reporting and field tools.
e-Microfin is designed to reduce operational friction, improve portfolio health and provide the analytics teams need to scale responsibly.
Core banking
Customer records, accounts, multi-product ledger and role-based access.
Loan management
Flexible products, amortization schedules, penalties, top-ups and rescheduling.
Savings & deposits
Configurable savings products, interest rules, and linked accounts.
Collections & repayment
Agent-assisted collections, bulk repayment uploads and reconciliation.
Accounting & reporting
General ledger, amortization views, portfolio reports and exports.
Integrations & APIs
REST APIs, webhooks and connectors for payment gateways and third-party services.
Security & compliance
Encryption, audit logs, role-based access and compliance tooling.
Mobile & agent apps
Lightweight mobile apps for field agents and customer self-service portals.
Want a tailored demo for your lending workflows?
Book a personalised walkthrough and see how e-Microfin maps to your processes.
Built for microfinance teams — operationally powerful and lender-friendly.
e-Microfin combines strong operations, field tooling and analytics so you can focus on growth and credit quality.
Rapid onboarding
Get started in daysTurnkey data import, KYC helpers and migration tooling to move your portfolio quickly and safely.
Field & agent ready
Offline-first appsMobile apps for agents, offline capture and secure sync to support remote collections and field operations.
Security & compliance
Audit-readyEncryption, audit logs and role-based access controls to satisfy regulatory and funder requirements.
Scales with you
From pilots to productionContainer-native architecture on CT Cloud enables predictable performance and horizontal scale.
Custom workflows
Productised configurabilityDefine products, repayment rules and fees without custom code — or extend with APIs for deep integrations.
Built-in analytics
Portfolio health at a glancePre-built dashboards, cohort views and exports so teams make better lending decisions faster.
Payments & integrations
Connect & automateWebhooks, payment gateway adapters and 3rd-party connectors to automate disbursals and collections.
Local support
Regional SLA optionsDedicated onboarding, training and SLA-backed support plans with local teams and knowledge of regulation.
Trusted in the field
Used by savings groups, microfinance institutions and agent networks across the region.
1k+
Borrowers tracked99%
Collection accuracy24/7
Support optionsSimple plans for pilot, growth and enterprise deployments
Choose a plan that fits your operational needs. Need custom SLAs, integrations or on-prem deployments? Contact our sales team for an enterprise quote.
Basic
Contact for pricing
Custom pricing & SLAs availableLoans Module
Accounts/Savings Module
Finance Module
Members Module(Staff and Clients)
Reports and Data Insights
Mobile Money Support
Automatic Daily Backups
Premium
Contact for pricing
Custom pricing & SLAs availableEverything in Basic Plan
Client Login
WhatsApp Intergration
SMS Integration
USSD and Offline Access
Mobile App upon Request
Phone & email support
Enterprise
Contact for pricing
Custom pricing & SLAs availableEverything in Premium
Custom Business Email
SSO(Single Sign On)
Self Hosted on your own Servers(Optional)
Intergration with Custom Software
Dedicate Support
API Access
Feature comparison
Compare features across plans. The table is responsive — swipe horizontally on small screens.
| Feature | Basic | Premium | Enterprise |
|---|---|---|---|
| Loans Module | |||
| Accounts/Savings Module | |||
| Finance Module | |||
| Members Module(Staff and Clients) | |||
| Reports and Data Insights | |||
| Mobile Money Support | |||
| Automatic Daily Backups | |||
| Everything in Basic Plan | |||
| Client Login | |||
| WhatsApp Intergration | |||
| SMS Integration | |||
| USSD and Offline Access | |||
| Mobile App upon Request | |||
| Phone & email support | |||
| Everything in Premium | |||
| Custom Business Email | |||
| SSO(Single Sign On) | |||
| Self Hosted on your own Servers(Optional) | |||
| Intergration with Custom Software | |||
| Dedicate Support | |||
| API Access |
Need a tailored plan or migration assistance?
We provide migration services, data import and integration help for pilot-to-production moves.
Frequently asked questions about e-Microfin
Can’t find an answer? Contact our sales or data team and we’ll get back to you within one business day.
Request a demo from the product page or contact our sales team. We provide guided demos and can set up a time-limited sandbox with sample data so you can evaluate workflows end-to-end.
Yes — e-Microfin can be provided as a managed instance on CT Cloud, or as an on-prem / self-hosted deployment for Enterprise customers. We help with migration and ops tooling in both scenarios.
We provide connectors and APIs for popular mobile money providers, SMS gateways, and WhatsApp integrations. If you need a custom connector, our team can build and maintain it under a Professional or Enterprise plan.
We offer migration tooling and a migration service. Typical process: data export from your current system → mapping & validation → import into a staging instance → verification & production cutover. Contact sales for a migration assessment.
Security is a priority: encryption at rest and in transit, audit logs, role-based access control, and optional SSO (Enterprise). We also provide guidance on compliance requirements and can support audit artifacts for funders/regulators.
Yes — we provide lightweight Android apps for agents with offline capture and secure sync. Mobile apps are part of Premium/Enterprise offerings (or available on request for pilots).
Support plans range from email & ticketing for Basic to SLA-backed response times and dedicated support engineers for Enterprise. We also offer onboarding, training and regional support options.
Yes — e-Microfin exposes REST endpoints and webhooks for integrations. Enterprise plans include extended API access, custom endpoints and assistance integrating with existing software.
We offer Basic, Premium and Enterprise plans (see pricing). Enterprise plans support custom SLAs, on-prem deployment and long-term support contracts. Contact Sales for a tailored quote and migration pricing.
Still have a question?
Reach out and we’ll connect you with product and implementation specialists.