A loan management system is software that runs a lender's whole loan lifecycle: onboarding borrowers, loan products, applications and approvals, disbursement, repayment schedules, collections and reporting. Lendpoint does this for Kenyan SACCOs, microfinance institutions and digital lenders, with M-Pesa built in.
Scale Lending Operations with Confidence
Loan Management System Built for Kenyan SACCOs and MFIs
Lendpoint is a smart, AI-powered loan management platform that helps teams streamline lending and scale with confidence.
SERVICES
What We Offer
Lendpoint combines smart automation to simplify lending operations
End-to-end loan management, member tracking, accounting, and AI insights — built to help you automate, grow, and stay compliant.
- Loan Management
- Accounting & Reporting
- AI Powered Insights
- Web, Mobile and USSD Platform
5 +
Years of Experience
PRICING PLAN
Choose a plan that suits you best
Starter Plan
For individual lenders and small MFIs- Full Loans Module
- Accounting & Reporting
- Unlimited Clients & Bulk Upload
- Branded Client Self-Service Portal
- Mobile App Access
- M-Pesa & SMS Integration
- Expense Tracking
- Staff Roles, Targets & Performance
- Automations & AI Insights
- Multi-Country & Multi-Currency
POPULAR
Professional Plan
For multi-branch and growing MFIs- Everything in Starter, plus:
- Multi-Branch Support (Unlimited Branches)
- Branch Managers per Branch
- Branch-Restricted Staff Access & Approvals
- Consolidated & Per-Branch Views
- Move Clients Between Branches
- Payroll
- Advanced Accounting & Reporting
- Chart of Accounts & Itemised Profit and Loss
- Excel & PDF Accounting Exports
Enterprise Plan
The gold standard — everything included- Everything included:
- USSD for Your Clients (short code fees extra)
- Dedicated Account Manager
- Priority Support
- Custom Onboarding & Data Migration
- Unlimited Branches & Clients
- Payroll
- Mobile App Access
- Multi-Country & Multi-Currency
- Advanced Accounting & Reporting
Starter Plan
Pay yearly and save ~17%- Full Loans Module
- Accounting & Reporting
- Unlimited Clients & Bulk Upload
- Branded Client Self-Service Portal
- Mobile App Access
- M-Pesa & SMS Integration
- Expense Tracking
- Staff Roles, Targets & Performance
- Automations & AI Insights
- Multi-Country & Multi-Currency
POPULAR
Professional Plan
Pay yearly and save ~17%- Everything in Starter, plus:
- Multi-Branch Support (Unlimited Branches)
- Branch Managers per Branch
- Branch-Restricted Staff Access & Approvals
- Consolidated & Per-Branch Views
- Move Clients Between Branches
- Payroll
- Advanced Accounting & Reporting
- Chart of Accounts & Itemised Profit and Loss
- Excel & PDF Accounting Exports
Enterprise Plan
The gold standard — everything included- Everything included:
- USSD for Your Clients (short code fees extra)
- Dedicated Account Manager
- Priority Support
- Custom Onboarding & Data Migration
- Unlimited Branches & Clients
- Payroll
- Mobile App Access
- Multi-Country & Multi-Currency
- Advanced Accounting & Reporting
One-time KES 10,000 onboarding & migration fee applies. No credit card required for your 7-day free trial.
FROM THE BLOG
Loan Management Guides for Kenyan Lenders
- Oct 12, 2026
- 5 min read
Micro Loan Software in Kenya: How to Choose …
What micro loan software should do in Kenya: must-have features, red flags, an 8-step trial test, costs in KES and how to move from Excel to a micro loan management system.
Read More about Micro Loan Software in Kenya: How to Choose a Micro Loan Management System
- Oct 12, 2026
- 6 min read
Best Microfinance Software in Kenya (2026): 9 Systems …
Nine microfinance systems used in Kenya compared for MFIs and micro lenders: pricing, M-Pesa, savings, branches, group lending, trials, and which fits your lending model.
Read More about Best Microfinance Software in Kenya (2026): 9 Systems Compared
- Oct 12, 2026
- 6 min read
SASRA Reporting Requirements for SACCOs in Kenya: Returns, …
What SASRA requires deposit-taking SACCOs to report and when: monthly and quarterly returns, capital and 15% liquidity ratios, the five loan classifications with provisioning rates, and what your systems must produce.
Read More about SASRA Reporting Requirements for SACCOs in Kenya: Returns, Ratios and Loan ClassificationTestimonials
client's Feedback
Zack Mutua
Director, Sycamore LiquidityLendpoint gave us full visibility into our loan portfolio — disbursements, repayments, and records all in one place.
Tonny Bless
Founder, Blessmarked InvestmentsLendpoint simplified how we track loans and reconcile our books. The reporting alone saves us hours every week.
Judy Wairimu
MMICLendpoint replaced our spreadsheets and paper files — every loan is now tracked in one system our whole team trusts.
FAQ’S
Questions lenders ask before switching
Pricing, M-Pesa, USSD, migration and security. Still unsure? Talk to our team or read the full FAQ.
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What is a loan management system?
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How much does Lendpoint cost?The Starter plan is KES 5,000 per month and the Professional plan, for multi-branch lenders, is KES 8,000 per month. Paying yearly saves about 17%. A one-time KES 10,000 onboarding and migration fee applies, and Enterprise pricing is quoted on request.
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Is there a free trial?Yes. Every plan starts with a 7-day free trial, and no credit card is required. You can set up your own loan products and test the full system before you pay.
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Does Lendpoint work with M-Pesa?Yes. Approved loans can be sent straight to the borrower's M-Pesa, repayments to your Paybill are matched to the right loan automatically, and you can send an STK push so borrowers pay the exact installment with their PIN.
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Can borrowers without a smartphone use it?Yes. Borrowers can register, check their loan limit, apply, repay and get a mini-statement over USSD on any phone. Smartphone users also get a branded self-service portal and mobile app.
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Who is Lendpoint for?SACCOs, microfinance institutions, digital credit providers and individual lenders in Kenya. Lendpoint focuses on lending. For savings, shares and dividends, see our sister product ChamaPoint, with SaccoPoint coming soon.
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Can we migrate our existing loans?Yes, from Excel or another system. Borrowers can be bulk-uploaded, and our onboarding team helps migrate active loans and balances as part of the onboarding and migration package.
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Is our data secure?Each lender's data is kept in its own isolated database, staff access is controlled by role, and every loan action is recorded in an audit log.