Start with the customer.
Capture the details, verify documents and assess affordability. Build the relationship on a clear record.
A connected core for modern lending
Less friction.
Smarter lending.
More possibility.
From the first customer conversation to the final repayment. Bring your lending operations together with Kredicore.
✓ M-Pesa & bank payments✓ Bulk SMS reminders✓ Built for lending teams
Prefer a conversation? +254 701 821 252 THE OPERATIONAL CORE OF YOUR LENDING BUSINESS
THE LENDING LIFECYCLE, CONNECTED
01Customer onboardedProfile & KYC verified
02Credit approvedReviewed by your team
kredicore.OPERATIONAL CORE
03M-Pesa disbursementFunds reach the customer
04Repayment & follow-upPayments matched. Action clear.
ONE PLATFORM. YOUR ENTIRE LENDING WORKFLOW.
Customer onboarding→Loan approvals→Payments & integrations→Collections
One connected platform
Everything your lending
operation needs to move.
Not another tool to work around.
A customizable workspace to work from.
THE CONNECTED PLATFORM01 / 11
Know your customers from the very first interaction.
Capture customer details, verification documents and affordability information in one structured onboarding workflow so every lending decision starts from a complete, reviewable record.
Customer profiles & KYC records
Affordability assessment
Verification & staged approvals
Tasks, notes & follow-up
A clear, auditable customer profile ready for assessment and approval.
Explore customer onboarding From first contact to final repayment
A clear path.
At every stage.
Connect the work between your teams.
Keep the customer journey moving.
THE LENDING LIFECYCLE, CONNECTED
01Customer onboardedProfile & KYC verified
02Credit approvedReviewed by your team
kredicore.YOUR OPERATIONAL CORE
03M-Pesa disbursementFunds reach the customer
04Repayment & follow-upPayments matched. Action clear.
One shared workspace. Clear handovers.Illustrative workflow · Your team stays in control
Move lending forward.
Review applications, coordinate approvals and disburse through M-Pesa. Keep everyone aligned.
Stay close to repayment.
Match payments, monitor arrears and organise collections. Know what needs attention next.
Less scattered. More connected.
Built for the realities
of your lending business.
Your teams have enough to manage.
Your software should bring it together.
Built around M-Pesa.
Disbursements, paybill repayments and payment prompts connected to the accounts behind them.
Your branches. One view.
An HQ-to-market structure brings local operations and management visibility together.
Control without the bottlenecks.
Defined approval stages, role-based permissions and audit trails make responsibilities clear.
WORKING TOGETHER
Credit & operationsLoan officersCollections teamsFinanceManagement
Who is Kredicore built for?
Kredicore is built for microfinance and lending teams managing customers, loan approvals, disbursements, repayments and collections. Loan officers, branch managers, credit teams and finance teams work from the same operational platform.
How does Kredicore work with M-Pesa and bank payments?
Kredicore integrates with Safaricom Daraja for M-Pesa C2B paybill collections, B2C disbursements, B2B payments and STK payment prompts, and also supports bank integration. Incoming payments are matched to customers and loans, with unmatched payments routed for manual reconciliation. Your organisation needs the appropriate M-Pesa and bank setup.
Can we manage more than one branch?
Yes. Kredicore supports an HQ, region, branch and market hierarchy, with role-based permissions and location-scoped views. Managers can review operations within their assigned scope.
Does it support collections and recovery?
Yes. Teams can track arrears, record customer interactions and promises to pay, and work recovery baskets. Restructuring, write-off approvals and repossession workflows support later stages of recovery.
Can we see the platform before deciding?
Absolutely. Request a walkthrough and tell us about your lending operations. We will focus the demo on the workflows that matter to your team and discuss implementation requirements.
How is pricing determined?
Contact the team for a proposal based on your operational scope and implementation needs. A walkthrough is the best way to establish which workflows and integrations your organisation needs.
Let’s move forward
Your next chapter of lending starts here.
See how Kredicore brings your people, payments and portfolio together.