LOAN MANAGEMENT SYSTEM
Shylocks
Manage Every Loan From Disbursement to Final Repayment
Shylocks helps small lenders keep borrower records, loan balances, repayment schedules, collections and arrears organized in one web-based system built for Kenya-style microfinance.
Hosting, customizations, integrations and future maintenance are charged separately where required.
Stop Managing Loans With Spreadsheets, Notebooks and Memory
As a lending business grows, it becomes harder to keep track of:
- •Who borrowed and how much was disbursed
- •What each borrower should repay and when
- •Partial repayments and outstanding balances
- •Overdue loans and who needs follow-up today
- •Collections made by each officer and branch
- •Reminders, promises to pay, and month-end reports
Shylocks brings your lending records into one system so you can see what is owed, what has been paid and what needs attention — live, on a phone or laptop.
What Your Team Uses Every Day
Dashboard
Start the day with borrowers, arrears, paid today, outstanding, collection rate, loans due today, people who need attention, and recent payments — plus a branch snapshot for admins.
Borrower Files
One file per person with identity, contacts, guarantors, collateral notes, outstanding, arrears, active loans, payment history, activity notes, and SMS reminders. Officers only see their own book.
Loan Creation & Approvals
Create loans with principal, monthly interest, term in days, and daily/weekly/monthly instalments. Officers submit for approval; admins approve or issue loans that go live immediately. Schedules generate automatically.
Payments
Record cash, M-Pesa, cheque, or bank deposit. See how each payment covers instalments (including partials). Confirm M-Pesa paybill receipts into the same book and reverse mistaken entries cleanly.
Collections Queue
Work arrears as a daily job: Needs work, Today, Broken promises, No promise, Upcoming, or All arrears. Mark promised-to-pay with follow-up dates, and SMS one borrower or everyone in arrears.
Branches & Officers
Set up branches and officers. Each borrower is assigned to a branch and officer. Transfer a book when an officer leaves so you never lose customers.
Admin Settings
Change default monthly interest, maximum loan size, reminder SMS text (with live preview), SMS company (Ujumbe or Tilil), and sender ID — without a developer.
Reports & CSV Export
Compare officers and branches on portfolio, disbursed, collected, outstanding, collection rate and arrears. Print or save PDF for one officer or branch. Export borrowers, loans, or payments as CSV.
SMS & M-Pesa
Send arrears reminders from the dashboard, collections, loan, or borrower file using the Settings template. Incoming M-Pesa on the configured paybill can post as a payment and text the new balance.
Role-Based Access
Loan officers see only their borrowers, loans, payments and arrears. Admins see the full book, approvals, reports, staff, branches and Settings. Built for phone use in the field.
Who Is It For?
- Microfinance and digital-lending companies with field officers
- Small private lending businesses and micro-lenders
- Branch networks that need each officer to see only their own book
- Owners who want a live picture of disbursed, collected, outstanding and overdue
- Lending businesses moving away from notebooks and Excel
The customer remains responsible for ensuring that their lending operations comply with applicable Kenyan laws, licences and regulations.
Get the Loan Management System for KSh 60,000
KSh 60,000 — one-time
One-time software price. No monthly software subscription.
- •One-time software price of KSh 60,000 — no monthly Bizz.ke software subscription
- •Hosting is paid separately by the customer
- •Custom setup may be quoted depending on requirements
- •Data migration may be quoted separately where required
- •Integrations are quoted separately
- •Future maintenance, changes and major upgrades are billed when requested
Frequently Asked Questions
Is this a monthly subscription?
No. The software is sold on a one-time basis for KSh 60,000. Hosting and any future paid work are separate.
Is the system web based?
Yes. It runs as a web-based business system and can be accessed from a phone or laptop with an internet connection.
Is hosting included?
Hosting is separate. The customer pays the hosting cost, and Bizz.ke can assist with deployment or setup depending on the agreed scope.
Can the system be customized?
Yes, where technically practical. Custom features or workflows are quoted separately.
Are future updates free?
You purchase the agreed version and scope. Future upgrades, maintenance or feature additions may be charged separately.
Can existing loan data be imported?
Where migration is required and technically practical, it can be assessed and quoted separately.
Can it support our exact lending rules?
The base system supports its standard configured workflows. Unusual lending rules should be reviewed before purchase and may require paid customization.