Trade Loan & Savings

Core banking built for the way Nigerian institutions actually collect money.

Route-based daily collection, guarantor and lien controls, and a double-entry ledger that is checked every night — for cooperative societies, daily-contribution (ajo/esusu) operators, and microfinance banks alike.

Cooperative societies Daily-contribution & ajo/esusu operators Microfinance banks Multi-branch lenders

Built on the controls a real ledger needs

Not a spreadsheet with a login screen — every collection, disbursement, and lien is a double-entry posting, and the books are checked automatically, every night.

Nightly trial-balance guarantee

Every tenant's ledger is verified balanced every night. A discrepancy is flagged the same night it happens, not at year-end audit.

Guarantor & lien controls

Savings pledged as collateral are moved into a separate liened account, not just flagged — so a withdrawal path can't accidentally pay out money that's securing a loan.

Route-based daily collection

Field officers walk assigned collection routes and print a receipt for every payment straight from the ledger record — never before it's booked.

Officer float tracking

Every collection tracks the gap between when cash was taken and when it was banked — the single best signal for catching a field-officer problem early.

Multi-branch, one book per branch

Each branch holds its own vault and balances independently, while an administrator sees the whole institution rolled up.

Multi-tenant, fully isolated

Every institution's data is walled off from every other's. A platform administrator account exists solely for cross-tenant support — nothing else can see across the boundary.

Live in one sign-up

STEP 1

Register your business

Your organisation, its first branch, and your own administrator login are created together — no setup call required.

STEP 2

Add branches & routes

Assign field officers to collection routes and start recording members, savings, and loans.

STEP 3

Collect, disburse, and reconcile

Daily collections post straight to the ledger. Every night, the books are checked for you.

Ready to see your books balance every night?

Start your 14-day trial — no card required.

Register your business