Loan Management Made Simple
A multi-tenant platform that helps financial companies manage loans, customers, payments, and reports — all in one place.
Full launch in
Secure & Compliant
Role-based access control
Everything you need to run a lending business
KopaFlow covers the full loan lifecycle — from application to final repayment — so your team can focus on serving customers.
Loan Lifecycle Management
Run the full journey — application, approval workflow, disbursement, and repayment — from one dashboard.
Configurable Loan Products
Build products on flat, reducing-balance, interest-only or bullet methods, with rate cards and fees handled by the calculation engine.
Remote e-Signature
Send applications for customers to review and sign from their own phone — no branch visit required.
Collateral Register
Record pledged assets, valuations, and supporting documents, linked to the loans they secure.
Collections & Recovery
Manage arrears as cases — log every contact, capture promises-to-pay, and escalate when needed.
Affordability & Compliance
Screen applicants against affordability and debt-service ratios, with regulatory limits configured per market.
Payments & Scheduling
Auto-generate repayment schedules, allocate payments first-in-first-out, and reconcile employer batch (MOU) deductions.
Customers & Companies
Maintain detailed profiles for individual and corporate borrowers, with KYC documents kept on file.
Automated Reminders
Send SMS and email payment reminders automatically to cut down on late repayments.
Analytics & Reports
Track portfolio health and delinquency, and export reports to PDF or Excel for boards and regulators.
Multi-Branch & Multi-Tenant
Run multiple organisations and branches on one platform — each with its own isolated, secure data.
Role-Based Access & Audit
Grant granular permissions per role, and keep a complete audit trail of every action taken.
Built for African lending institutions
Most loan management software is built for Western banks. KopaFlow is built for the way African MFIs, SACCOs, and lending companies actually operate.
Local currency support
Price and track loans in Zambian Kwacha (ZMW), US Dollars, or South African Rand — with automatic exchange rate display.
Mobile-first design
Loan officers in the field can onboard customers, process applications, and record payments from any smartphone.
Offline resilient
Unreliable internet? KopaFlow's mobile app queues actions locally and syncs when connectivity is restored.
Portfolio Health
All Branches
Branch breakdown
3 overdue loans
Reminder sent
Up and running in minutes
KopaFlow is designed to get your lending operation live fast — no complex setup, no long onboarding.
Register Your Company
Sign up and set up your company profile. Add your branding, configure loan products, and invite your team members.
Add Your Customers
Import or create customer profiles with contact details, ID documents, and credit history information.
Manage Loans & Payments
Process loan applications, disburse funds, and track repayments automatically with real-time dashboards.
See KopaFlow in action
A complete loan management platform — built for the way African financial companies actually work.
Dashboard
Click the sidebar tabs to explore different screens ·
Simple, transparent pricing
No hidden fees. Choose the plan that fits your business. Cancel anytime.
Micro
For individual lenders and very small savings groups just starting out.
Lock in early-bird pricing · No card required
- Up to 50 active loans
- 1 branch · 1 user seat
- Email reminders included
- 200 SMS / month included
- Loan, customer & payment tracking
- Email support
Starter
Perfect for small lending businesses just getting started.
Lock in early-bird pricing · No card required
- Up to 200 active loans
- 1 branch · 3 user seats
- Email reminders included
- 500 SMS / month included
- Payment scheduling & reports
- Email support
Professional
For growing teams that need more power and flexibility.
Lock in early-bird pricing · No card required
- Up to 2,000 active loans
- Up to 3 branches · 15 user seats
- Email reminders included
- 2,000 SMS / month included
- Collateral, collections & affordability
- Remote e-signature & advanced analytics
- Priority support
Enterprise
Unlimited scale for large financial institutions.
Lock in early-bird pricing · No card required
- Unlimited loans, branches & seats
- Email reminders included
- 10,000 SMS / month included
- Bring-your-own SMS gateway option
- API access & custom integrations
- Dedicated account manager & SLA
Email reminders included on every plan.SMS uses your monthly allowance, then pay-as-you-go credits — no surprise overages.
Frequently asked questions
Everything you need to know before getting started.
Be the first to experience KopaFlow
Join the waitlist and get notified the moment we launch — plus exclusive early-bird pricing.