Money Lending · Uganda · Kenya · Africa

Money lending software,
built for loan officers.

Loan disbursement, repayment tracking, interest calculations, customer statements, and a full audit history — SAF-T POS is the microfinance loan tracking and POS software for Uganda, Kenya, and across Africa. Offline-first, multi-branch, and built for busy money-lending counters.

Download for Android See features
Loan tracking Repayment reminders Works offline
Loan · Active
UGX 1,500,000
Jane N. · 12 months · 5% monthly
Disbursed · 12 Jan 2025Paid
Repayment · 12 Feb 2025Received
Next due · 12 Mar 2025Upcoming
Full
Loan lifecycle
Unlimited
Branches per business
Offline-first
Never lose a record
Real-time
Portfolio sync
Serving lenders across Uganda Kenya East Africa Africa
Capabilities

Every loan. Every repayment. Fully audited.

From disbursement to final repayment — the complete money-lending workflow, with the audit trail that SACCOs, microfinance institutions, and private lenders actually need.

Loan disbursement
Record every disbursement with customer, amount, interest rate, term, and disbursement date. Generate a receipt immediately.
Repayment tracking
Record partial and full repayments. Every payment updates the loan balance, interest paid, and next due date automatically.
Interest calculations
Flat, declining, or simple interest — configurable per loan product. The app does the math; you do the handshake.
Customer statements
Per-customer statement showing every loan, every payment, and every balance — sortable, printable, and shareable.
WhatsApp reminders
One tap sends a pre-filled reminder to a debtor's WhatsApp — with the outstanding balance and next due date.
Overdue tracking
See every overdue loan at a glance, sorted by days past due. Filter by branch, loan officer, or customer.
Role-based access
Loan officers, cashiers, and managers each get the screens they need. Branch-scoped data for privacy.
Offline-first
Disburse, repay, and track without internet. Perfect for lending businesses in areas with intermittent coverage. Syncs automatically.
Multi-branch
Manage multiple lending branches from one account. Each branch keeps its own loans, officers, and repayments. Consolidated reports available.
Full audit trail
Every loan, every repayment, every edit — timestamped and tied to the staff member who made it. Immutable history.
Repayment schedules
The app calculates and displays each customer's repayment schedule — daily, weekly, or monthly — with due dates.
Portfolio reports
Loan book, outstanding balance, interest earned, and repayment rate — for any period, per branch, or business-wide. PDF and Excel export.
Getting started

Open your lending business in four steps.

From install to first loan in under an hour.

1
Sign in as owner
Sign in with Google. This becomes the business account — all branches, staff, and loans are tied to it.
2
Set up branches & loan products
Add your branches, then set up your loan products with interest rates, terms, and repayment schedules.
3
Add customers & loan officers
Register customers with their KYC details. Create accounts for each loan officer and assign them to branches.
4
Start disbursing
Record disbursements, track repayments, send reminders, and view your portfolio — all from one account.
Other workspaces

Not a lender? Try another workspace.

SAF-T POS runs five purpose-built workspaces under one account. Explore the one that matches your business.

Shop & Retail
Boutiques, pharmacies, supermarkets, and electronics.
Explore
Restaurant
Kitchen display, QR ordering, tables, waiters.
Explore
Hospital
Patients, doctors, lab, pharmacy, wards, and beds.
Explore
Gas Station
Cylinder sales, refills, attendant sales, per-branch stock.
Explore
Download

Available on Windows and Android.

Both run the same app with the same features and sync to the same business account. Free trial — no credit card required.

Windows
Branch counters and back offices. Windows 10 and 11. Install from the Microsoft Store with automatic updates.
Android
Loan officers on the road — record disbursements and repayments from anywhere. Direct download.
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FAQ

Money lending questions.

Answers to the questions we hear most from lenders, SACCOs, and microfinance institutions.

How does loan tracking work?
Each loan is recorded with customer, amount, interest rate, term, and disbursement date. Every repayment updates the balance, interest paid, and next due date automatically — with a full audit history.
Can I track interest calculations?
Yes — SAF-T POS supports flat, declining, and simple interest per loan product. The app calculates interest earned and displays it in portfolio reports.
Can I send repayment reminders?
Yes — one tap sends a pre-filled WhatsApp reminder to a debtor with the outstanding balance and next due date. Perfect for keeping repayment rates high.
Can I manage multiple branches?
Yes — SAF-T POS supports unlimited branches. Each branch keeps its own loans, loan officers, and repayments. Consolidated portfolio reports are available business-wide.
Does it work offline?
Yes — SAF-T POS is offline-first. Loan officers can disburse and record repayments without internet. Everything syncs automatically when connectivity returns.
How is the audit trail handled?
Every loan, repayment, edit, and cancellation is timestamped and tied to the staff member who made it. The audit trail is immutable — perfect for regulatory reporting.
Can I generate customer statements?
Yes — per-customer statement showing every loan, every payment, and every balance. Sortable, printable to PDF, and shareable via WhatsApp or email.
Is there a free trial?
Yes — SAF-T POS offers a free trial with no credit card required. Download the app for Windows or Android and start disbursing within minutes.

Ready to modernise your lending business?

SAF-T POS is available on Windows via the Microsoft Store, and on Android via direct download. Start your free trial today — no credit card required.

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