Member credit engine
Automated eligibility from savings history, guarantor network, and member tier. Loan terms compute live.
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We guide every member through any credit application, in any business and any domain, before it reaches your committee. Share history, guarantor ties, and delinquency patterns are scored against your by-laws. COASCO reports generated automatically. Your committee decides in minutes, not Saturdays.
Not fewer meetings. Shorter meetings, sharper decisions, and a queue that moves when you are not in the room.
Member applies on their phone. Share history, savings, and guarantor ties score instantly. The committee sees a decision packet, not a PDF.
Monthly contributions auto-matched against the mobile money ledger. End-of-quarter dividends run themselves.
AI-pre-screens the queue so your volunteer committee spends minutes, not Saturdays.
Shares, savings, loan history, guarantor chain. All in one Swahili-first view on their own phone. They see themselves the way your SACCO sees them.
Your by-laws, not a generic model. Share multiples, seniority rules, guarantor coverage, delinquency history. LitFin reads the rules, scores the case.
The packet arrives with the rationale pre-drafted. Approve, defer, or decline with a note. The decision writes back to the member record and the general ledger.
“Our committee meets once a month. LitFin makes it feel like once a week. Members get answers; the treasurer gets sleep.”
Illustrative quote. Representative of pilot feedback; not a disclosed customer statement.
Built for cooperatives
Credit engine, guarantor graph, COASCO reports, financial literacy, legacy CBS connectors. Your cooperative, amplified.
Automated eligibility from savings history, guarantor network, and member tier. Loan terms compute live.
Every guarantor relationship a graph edge. Cross-guarantor risk detection prevents hidden chain exposure.
Cooperative Audit and Supervision Corporation reports generated automatically. Evidence-backed, exportable.
Savings growth, loan utilisation, default patterns, dividend projections, one live view.
Same 12-domain curriculum, surfaced to your members. BRS raises over time. You lend with confidence.
Native integration with the cooperative banking systems most SACCOs already run. We write to you, not around you.
One conversation. We read your bylaws, we ingest your shares, we show your next committee meeting running on LitFin.