The platform
Everything your MFI runs on, in one system.
From a client's first KYC document to write-off and recovery - lending, accounting, compliance, cash and the field all connect through a single source of truth.
One platform, not six tools
Record the loan once. The system does the rest.
Automate the busywork.
The posting engine turns every business event into balanced journal entries. Background jobs handle accrual, aging, provisioning and statements while your team sleeps.
See everything live.
PAR (1 / 30 / 60 / 90 / 180), book size, cash position and officer productivity update in real time - drill from any report line to the source transaction.
Scale without rebuilding.
Multi-branch, multi-currency and multi-country from day one - so growth never means a re-platform.
What changes when the work disappears
Fewer hands on each loan. More loans through the door.
Process more loans per officer.
Applications flow through KYC checklists, underwriting assessment and amount-banded approval chains in one workflow - no email sign-offs, no paper routing.
Cut reconciliation to near zero.
Because every transaction self-posts to a balanced double-entry ledger, your accountants reconcile exceptions instead of rebuilding the books.
Catch problems while they're small.
Automated arrears aging and a daily collection sheet by officer surface slippage today, not at month-end.
Close the month on schedule.
A guided period-close checklist - FX revaluation, accruals, provisioning - turns a multi-day scramble into a routine.
“If a task is repetitive, SwiftlyMFS already does it - accrual, aging, provisioning, screening, statements, reminders.”
One login, every function
A complete core system, not a loan tracker.
Six connected modules cover the whole institution - from a client's first KYC document to write-off and recovery.
Core Lending & Portfolio
End-to-end loan lifecycle, from origination to write-off.
- Individual & group products with flat, declining, compound or EIR interest
- Calendar-aware repayment schedules with instalment-level tracking
- Maker-checker approval chains by amount band, product and currency
- Arrears aging, penalty accrual and configurable DPD buckets
- Restructuring, hardship relief, top-ups and aggregate exposure caps
- Collateral & guarantor registration with auto-release on settlement
Accounting & General Ledger
Enterprise double-entry accounting, automated.
- Automated posting engine - every event becomes a journal entry
- Configurable chart of accounts with per-tenant customisation
- Multi-currency with FX revaluation and period open/close
- Trial balance, P&L and balance sheet with drill-down to source
- Manual journals with maker-checker approval and full audit trail
- Bank & mobile-money reconciliation with unmatched-item queues
Compliance, Risk & Controls
Regulator-ready controls, built into the product.
- Sanctions & PEP screening at onboarding (OFAC, UN, EU + local lists)
- Fuzzy-match scoring with a maker-checker clearance queue
- STR filing, DSAR exports, consent and breach-notification workflows
- Truth-in-lending disclosure with borrower acknowledgement
- Interest-rate-cap enforcement per Country Pack
- Tamper-evident, hash-chained audit log, immutable after close
Reporting & Analytics
Every audience, in real time.
- PAR and aging by branch, officer, product and sector
- Loan classification and provisioning per prudential standard
- Officer productivity and branch KPI dashboards
- Concentration-risk and large-exposure analysis
- Cash flow, FX revaluation and fee-income breakdowns
- Loan statements, settlement quotes and client-facing PDFs
Cash & Teller
Branch cash discipline, end to end.
- Per-teller till sessions with float assignment
- Vault management and cash-in-transit tracking
- End-of-day cash-up with variance flagging and approval
- Serial-numbered receipts and funding-account management
- Disbursement from configurable wallets (cash / bank / mobile money)
- Per-branch, per-currency cash-position reconciliation
Client & KYC
Onboarding without paper.
- Multi-tier KYC with document checklists and exposure caps
- Country-specific national-ID validation and document verification
- Individual & group clients with joint-liability configuration
- 360° client view: loans, arrears history and communications log
- Bulk import with dry-run validation and safe, idempotent replay
- Data-subject (DSAR) request workflow with consent tracking
Built for the last mile
Your field officers don't stop when the signal does.
SwiftlyMFS is a Progressive Web App, so loan officers keep working where connectivity is patchy - in the field, at a group meeting, deep in a rural ward. Everything they capture queues locally and syncs the moment they're back online, with no lost collections and no double-posting.
Work fully offline.
Record collections, KYC and client visits with no signal - the app stores them safely on the device.
Sync automatically.
The queue replays on reconnect with idempotency keys, so nothing is lost and nothing posts twice.
Print receipts on the spot.
Generate a PDF receipt for the client immediately, even offline - synced to the server when the connection returns.
Runs on the phone they already have.
No app store, no expensive hardware - it installs to any modern Android device straight from the browser.
Field collections
3 queued- Repayment · group Tariro$45.00
- Repayment · M. Dube$30.00
- KYC capture · new client-
From demo to live in days
Onboard, operate, oversee - on one platform.
Onboard
We configure your Country Pack, chart of accounts, products, rates, roles and approval chains - no code required. Because everything is already built, most institutions are live within a few days.
Operate
Officers, tellers and accountants work from one source of truth. Every disbursement, receipt and accrual posts itself, with the right approvals enforced along the way.
Oversee
Leadership sees live portfolio health, PAR and cash position - and walks into an examination with the audit trail already assembled.
See it on your own portfolio
Process more loans with fewer people. Let us show you how.
Book a 30-minute demo and we'll walk through lending, automated accounting, built-in compliance and the role-based workspace - using scenarios that match how your MFI runs today.
No commitment. No spreadsheet required to get started.