Platform Features
Everything you need to manage lending at scale
Credit Stream Pro provides the complete toolkit for running a modern lending institution — from loan origination to regulatory reporting.
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.
Core Lending Engine
Run your entire loan book end-to-end — from application to closure — for both individual and group lending. Configure unlimited products with flat or reducing-balance interest, multi-level approvals, and automated numbering.
- Flat & reducing-balance interest
- Disbursement Engine V2 with auto-deductions
- Loan refinancing & top-ups
- Bulk installment rescheduling
- Maker-checker deletion workflows
Feature preview coming soon
M-PESA Tanzania Integration
The deepest M-PESA integration on the market, built natively on Vodacom OpenAPI. Disburse to wallets in seconds, collect repayments via STK Push, and reconcile automatically — all secured with AES-256-GCM encryption.
- B2C instant disbursements
- C2B collection via STK Push
- Multi-branch shortcode management
- Branch float request & approval
- Automated daily reconciliation
Feature preview coming soon
Internal Audit & BOT Compliance
Stay audit-ready every single day. Generate Bank of Tanzania returns at the click of a button and run a full CAE-framework internal audit program — without a single spreadsheet.
- BOT regulatory reporting (PAR 30/90)
- CAE audit planning & engagements
- Findings & recommendations tracking
- Audit committee management
- Complete append-only audit trails
Feature preview coming soon
SACCOS Module
A complete cooperative management suite inside the same platform. Manage members, share capital, and dividends, and let members guarantee each other's loans with full consent tracking.
- Member & share capital management
- Compulsory, voluntary & fixed savings
- Member-to-member loan guarantees
- Automated dividend distribution
- Net-settlement member exit workflow
Feature preview coming soon
Asset Finance & GPS Tracking
Finance vehicles and equipment with confidence. Enforce LTV limits, source through an approved dealer network, and protect every asset with real-time GPS tracking, geofencing, and integrated insurance.
- LTV & down-payment controls
- Real-time GPS tracking & geofencing
- Speeding, breach & tamper alerts
- Motor, life & credit-life insurance
- Repossession & resale workflow
Feature preview coming soon
AI Credit Scoring
Lend smarter with machine-learning credit assessment. Automatically score risk, analyze bank statements and payslips, and apply lending conditions — turning hours of manual review into seconds.
- ML-powered risk scoring
- Debt-to-income & LTV analysis
- Bank statement & payslip parsing
- Automated risk flags & conditions
- Analyst override workflow
Feature preview coming soon
Ready to explore all features?
Book a personalized demo and see how Credit Stream Pro fits your institution.