From Logbook Loans to Mobile Instant Loans. Automate everything: Appraisals, M-Pesa Disbursements, Penalty Calculations, and CRB Listing.
Flexible product configuration. Whether you offer Daily Group Loans, Monthly Salary Check-offs, or Logbook Loans, our system handles the math.
Flat Rate, Reducing Balance, or Rule of 78. Weekly, Monthly, or Daily schedules.
Upload photos of Logbooks, Title Deeds, or Household Goods. Track expiry of insurance.
System automatically applies late fees (e.g., 5% of Installment) at midnight if not paid.
Launch your own "Tala" or "Branch". Fully automated lending from application to disbursement without human intervention.
System analyzes M-Pesa statements and repayment history to assign a dynamic loan limit automatically.
Approved loans are sent via M-Pesa B2C (Business to Customer) API in seconds, 24/7.
SMS reminders sent 3 days before due date, on due date, and daily after default.
Empower your Loan Officers. Manage Group Lending and Table Banking efficiently.
Officers can record collections in remote areas without internet. Data syncs automatically when connection is restored.
Track your officers in real-time. Ensure they actually visited the client's shop or home for recovery.
Connect to portable thermal printers to issue physical receipts to customers in the field.
Don't fly blind. Understand your Portfolio at Risk (PAR) and liquidity position instantly.
Automated classification of loans: Normal, Watch, Substandard, Doubtful, and Loss (PAR 30, 60, 90).
Breakdown of earnings: Interest Income vs Penalty Income vs Processing Fees.
Auto-list serial defaulters to the Credit Reference Bureau to prevent them from borrowing elsewhere.
Stop using notebooks. Secure your capital with Talkin Tech MFI.