Micro Lending SoftwareLend with confidence. Know who you are lending to.
A web-based loan management system for registered micro lenders: online applications, employment and income checks, affordability assessments, loan agreements, collections and the records the National Credit Regulator expects, all in one place.
Set up and hosted by VukaWebQuote
Priced to the size of your loan book. We send you a clear price after a short call.
Fewer bad loansVerify employment, income and identity before you lend.
Faster decisionsApplicants apply online and your staff see a complete file.
Audit-ready recordsEvery check, document and decision is saved and time-stamped.
Everything a micro lender needsFrom application to final instalment
Each part of your lending process, built to be quick for your staff and clear for your customers.
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Online loan application
- Mobile-friendly form on your own website
- Applicants upload ID, payslips and bank statements
- Consent captured before any check is run
- Application status shown to the applicant
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Employment and income verification
- Payslip and bank statement review
- Employer details and contact checked
- Salary-in-account match against stated income
- Flags for fake or edited documents
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Affordability and credit assessment
- Income against expenses and existing debt
- Credit bureau check on the applicant
- Clear approve, reduce or decline outcome
- Reasons saved on the file
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Quotations and loan agreements
- Pre-agreement statement and quotation
- Credit agreement generated with your terms
- Fees and interest calculated for you
- Signed copies stored with the loan
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Disbursement and repayments
- Pay out to the verified bank account
- Debit order and EFT repayments tracked
- Each payment matched to the right loan
- Statements and settlement quotes on request
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Arrears and collections
- Arrears list updated every day
- SMS, WhatsApp and email reminders
- Promise-to-pay and call notes
- Default notices prepared for you
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Loan book and reports
- Total lent, collected and outstanding
- Arrears and book quality reports
- Export to Excel and PDF
- Records ready for regulator returns
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Staff and branch control
- Roles for consultants, managers and admin
- Approval limits by role
- Every action logged by user
- Several branches in one system
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Secure hosting and backups
- SSL secured and hosted by us
- Daily backups
- Personal information protected
- Support from a South African team
Know your applicantDoes this person really work, and can they afford the loan?
Every application goes through the same checks, and the results are saved on the applicant's file.
| Check | What it does |
|---|
| Identity check | The ID number is validated and can be checked against Home Affairs through a verification provider. |
| Proof of employment | Payslips, employer letter and employer contact details are captured and reviewed. Your consultant can record the employer verification call on the file. |
| Income and bank statements | Three months of bank statements are reviewed for salary deposits that match the stated income. |
| Bank account verification | The account number is checked against the applicant's name before you pay out. |
| Credit bureau check | A credit enquiry shows existing debt, defaults and judgments. Results are stored with the application. |
| Affordability assessment | Income, essential expenses and existing repayments decide how much the applicant can safely repay. |
| Duplicate and fraud flags | The system warns you about repeat IDs, phone numbers and bank accounts across applications. |
Checks that use an outside provider (credit bureau, ID verification, bank account verification) need your own agreement with that provider, and the provider charges you for each check. We help you connect them.
Legal complianceBuilt around the rules you lend under
South African micro lenders work under the National Credit Act, FICA and POPIA. The system helps you follow the process and keep the evidence.
National Credit Act
- Affordability assessment recorded for every loan
- Pre-agreement statement and quotation before signing
- Credit agreement in the required form and language
- Fees and interest checked against your limits
- Statements, settlement quotes and arrears notices
FICA
- Identity and address documents captured
- Customer due diligence saved on the file
- Records kept for the required period
- Unusual activity flagged for review
POPIA
- Consent captured before checks are run
- Access limited by staff role
- Personal information stored securely
- Every access and change logged
Regulator records
- Loan book and arrears reports
- Application and decision history
- Exports for audits and returns
- Complete trail for every loan
VukaWeb software supports your compliance process. You remain responsible for being registered with the National Credit Regulator as a credit provider, for the fees and interest you charge staying within the legal limits, and for taking your own legal advice.
How it works
From request to your first loan
1Request a demo
Send us the form below and we call you.
2Agree your setup
We set your products, fees and branding.
3We build and connect
We set up your system and your verification providers.
4Start lending
We train your staff and you go live.
Get startedRequest a demo and quote
Tell us about your lending business. We will show you the system and send you a price.
- Reply within one working day
- Your own branding, domain and hosting included
- Training for your staff
- Pay by direct deposit using your account number