Inside LenderFest: loan management from origination to collections

Lending is unforgiving software to get wrong. Money goes out, money must come back, and every step in between is regulated, audited and counted. LenderFest is our flagship platform built for exactly that — a complete loan management system (LMS) for digital lenders, SACCOs and microfinance institutions.

Here’s how it runs the full lifecycle.

Origination and scoring

A loan starts as an application. LenderFest captures it through web, mobile or agent channels, runs your eligibility rules, and scores the borrower against the signals you trust — repayment history, bureau data, alternative data, or your own custom model. Decisions are consistent, explainable and logged.

Disbursement and repayments

Approved loans disburse straight to mobile money or bank, and repayments come back the same way. M-Pesa is native — STK push for collections, automated reconciliation, and instant receipts — alongside cards and bank rails for markets beyond Kenya. Every cent is matched to a loan automatically.

Collections that actually collect

Arrears are where lenders win or lose. LenderFest tracks aging buckets, automates reminders over SMS and WhatsApp, schedules follow-ups, and gives collections teams a prioritized worklist instead of a spreadsheet. Restructures, write-offs and provisioning are all first-class.

Reporting that keeps you licensed

Regulators want numbers in a specific shape. LenderFest produces CBK-aligned portfolio, provisioning and arrears reporting out of the box — and the same engine extends to other jurisdictions as you expand.

See it for yourself

LenderFest has its own home at www.lenderfest.loans — explore the product there, or book a demo and we’ll walk you through it with your numbers.