Trusted by 500+ financial institutions across Africa
Digital lending made effortless
Simple, secure lending for MFIs, SACCOS, and banks — 65+ modules, native M-PESA, and BOT-compliant reporting in one platform.
2.5M+
Loans processed
500+
Institutions
99.9%
Uptime
Collected today
TZS 42.8M
Collection rate
94.2%
Active loans
4,821
Monthly collections
+18% YoY
Recent repayments
Amina Hassan
M-PESA
+TZS 250,000
Joseph Mwangi
M-PESA
+TZS 480,000
Grace Ndlovu
Bank
+TZS 120,000
Trusted by leading financial institutions across Africa
Disburse a strong impression
Send loans straight to M-PESA wallets in seconds, with a branded borrower app that makes every interaction look pro.
Peak performance
Get more done with integrated accounting, 50+ built-in reports, AI credit scoring, and seamless guided onboarding.
Get security that evolves
Be confident your portfolio is protected by AES-256 encryption, role-based access, and BOT-compliant audit trails.
Pricing
Choose your lending plan
Benefit from a high-quality, budget-friendly platform. Start with a 30-day free trial — no credit card required.
Starter
15% OFFLaunch fast — everything a single-branch MFI or SACCOS needs to digitize lending.
billed as $3,048/yr
+ $500 one-time setup
1 branch · 7 users · 600 borrowers
- Up to 600 active borrowers
- 1 branch · 7 users · 5 GB storage
- Core lending engine — flat & reducing balance
- Individual & group borrowers with KYC
- Multi-method repayment & collection sheets
- Physical & cash collateral management
- Chart of accounts & double-entry journals
- Business day controls & notice board
- Email support · 99.0% uptime SLA
Basic
15% OFFBuilt to grow — add mobile money, savings, and richer financials.
billed as $6,108/yr
+ $1,000 one-time setup
3 branches · 17 users · 2,000 borrowers
- Everything in Starter, plus:
- Up to 2,000 borrowers across 3 branches · 17 users
- 500 M-PESA transactions / month
- Loan refinancing & deletion workflows
- Borrower flagging & risk classification
- General ledger & financial reports
- Savings products & accounts
- Two-factor authentication
- Email + phone support · 99.5% SLA
Premium
15% OFFThe complete lending engine — full M-PESA suite, mobile app, and BOT reporting.
billed as $10,188/yr
+ $2,000 one-time setup
15 branches · 80 users · 15,000 borrowers
- Everything in Basic, plus:
- Up to 15,000 borrowers · 15 branches · 80 users
- Full M-PESA suite — B2C, C2B STK Push, float & multi-shortcode
- 5,000 M-PESA txns/mo · 500 mobile app users
- Installment rescheduling & borrower transfers
- BOT regulatory reporting & org hierarchy
- HRM module & journal reversals
- Branded borrower mobile app
- Priority support · 99.7% SLA
Premium Pro
15% OFFEnterprise power with SACCOS & Asset Finance bundled in at no extra cost.
billed as $20,388/yr
+ $5,000 one-time setup
40 branches · 200 users · 100,000 borrowers
- Everything in Premium, plus:
- Up to 100,000 borrowers · 40 branches · 200 users
- SACCOS suite included — shares, savings, dividends
- Asset Finance included — GPS tracking, insurance, repossession
- Full payroll, payslips & leave management
- Internal audit module (BOT compliant)
- M-PESA reconciliation engine
- 25,000 M-PESA txns/mo · 5,000 mobile users
- Dedicated support · 99.9% SLA
Enterprise
15% OFFUnlimited scale for banks and large networks — AI scoring and white-glove service.
billed as $50,988/yr
+ $10,000 one-time setup
Unlimited branches, users & borrowers
- Everything in Premium Pro, plus:
- Unlimited branches, users & borrowers
- 500 GB storage · unlimited M-PESA & mobile users
- AI credit scoring & risk assessment
- Audit committee & attendance / biometric
- Next-gen financial core engine
- Custom integrations & data migration
- Dedicated account manager
- 24/7 support + SLA · 99.95% uptime
*Prices reflect discount on the selected billing cycle.
Compare plans in detailProduct Preview
Design you'll love
A clean-and-clear interface that makes portfolio management a breeze — for loan officers, branch managers, and executives alike.
Portfolio Value
TZS 2.4B
Active Loans
4,821
Collection Rate
94.2%
Real-time portfolio visibility
Get a complete overview of your loan portfolio — outstanding balances, collection rates, PAR ratios, and branch performance — all in one glanceable dashboard.
How It Works
Digital lending, simplified
Our guided onboarding gets your institution fully operational in under 3 days — no technical expertise required.
Setup Your Institution
Configure your branches, products, interest rates, and business rules in minutes with our guided onboarding.
Create Loan Products
Define loan types, repayment schedules, collateral requirements, and approval workflows.
Onboard Borrowers
Register borrowers digitally, run credit checks, and manage KYC documentation in one place.
Disburse Loans
Approve and disburse loans directly to M-Pesa or bank accounts with full audit trails.
Track & Collect
Monitor portfolio health, send payment reminders, and collect via mobile money automatically.
Platform Features
One platform. Every lending workflow.
From loan origination to M-PESA collections, SACCOS shares to AI credit scoring — 65+ modules cover every corner of your operation, so you never bolt on another system again.
Core Lending Engine
Complete loan lifecycle for individual & group lending — flat and reducing-balance interest, refinancing, rescheduling, and multi-level approvals.
M-PESA Tanzania Integration
Native Vodacom OpenAPI integration — B2C disbursements, C2B STK Push collections, multi-branch shortcodes, float management, and automated reconciliation.
Borrower Management
Tanzania-specific KYC (NIDA & Voter ID), group methodology, risk flagging, transfers, and dormancy tracking — all with maker-checker audit trails.
Collateral Management
Physical collateral register with QR/barcode tracking plus cash collateral engine — automatic top-ups, locked-balance tracking, and secure release workflows.
Accounting & Finance
Full double-entry accounting with real-time general ledger, automated journals, fiscal-year management, and board-ready financial statements.
SACCOS Module
Purpose-built for cooperatives — member management, share capital, dividend distribution, savings products, and member-to-member loan guarantees.
Asset Finance & GPS
End-to-end asset-backed lending with LTV controls, dealer networks, real-time GPS tracking, geofencing, insurance, and repossession workflows.
HR & Payroll
Tanzania statutory payroll (PAYE, NSSF, NHIF, WCF, SDL, HESLB), tamper-proof payslips, leave management, and biometric attendance.
Internal Audit & BOT Compliance
BOT-compliant internal audit (CAE framework), automated regulatory reporting with PAR 30/90, audit committee tools, and full follow-up tracking.
AI Credit Scoring
Machine-learning credit assessment with risk scoring, debt-to-income analysis, bank-statement and payslip parsing, and automated lending conditions.
Borrower Mobile App
Branded React Native app — borrowers check balances, view schedules, and repay instantly via M-PESA STK Push with push-notification reminders.
Enterprise Security
AES-256-GCM encryption, bcrypt hashing, 30+ RBAC roles, single-session enforcement, password policies, and optional TOTP two-factor auth.
Who It's For
Built for every type of financial institution
Customer Stories
Chosen by institutions, valued by us
See how financial institutions are transforming their lending operations with Credit Stream Pro.
“Credit Stream Pro transformed how we manage our 2,000+ borrowers. The M-Pesa integration alone saved us 40 hours per week in manual reconciliation.”
Grace Mwangi
CEO, Pamoja MFI
“The SACCOS module is exactly what we needed. Setup took less than a day and our staff were up and running immediately. Exceptional support team.”
Emmanuel Banda
Operations Director, Umoja SACCOS
“As a bank expanding into microfinance, we needed a system that could scale. Credit Stream Pro handles our 15 branches seamlessly with real-time data.”
Amina Hassan
Head of MFI Division, TanzaBank
FAQ
Frequently asked questions
The essentials of service excellence
Anytime support
Get any help you need with a team ready 24/7.
Guaranteed uptime
99.9% uptime guaranteed, with zero data loss.
Plans you can't outgrow
Add branches, users, and borrowers to every plan, easily.
Low price promise
Get a platform you can rely on, without counting the cost.
Lending made effortless
Join 500+ financial institutions across Africa that trust Credit Stream Pro to manage their portfolios, automate collections, and stay compliant.
30-day free trial · No credit card required · Setup in under 3 days