WhatsApp loan applications
Borrowers apply through a guided WhatsApp conversation in English or Kiswahili, and requests land in your team’s review queue.
LENDRANGE BY FLEDGE · LOAN MANAGEMENT SOFTWAREMicrofinance software.
Microfinance software.
From field to portfolio.
For microfinance institutions and CBK-licensed digital credit providers. Take loan applications on WhatsApp, assess credit with M-Pesa statements and scoring, run group and individual loans, coordinate field officers and watch the whole portfolio, with M-Pesa repayments and published pricing.
For microfinance and digital lenders
Book a 30-minute walkthrough and we will run one of your own loan products through the system: application, scoring, approval, disbursement and repayment.
FROM THE PRODUCT
See the lending operation at a glance.
Explore a portfolio overview taken from LendRange’s dashboard template. See how balances, collections and pending work are presented to the lending team.
Fictional data. Actual LendRange dashboard template and product styles, rendered with fictional figures. This is a read-only interface excerpt, with a linked WhatsApp request-review example; it is not connected to a customer database or live scoring, messaging or payment services.
Explore the WhatsApp request-review example ↗
What to explore
- Review portfolio and collection indicators.
- See the information used to prioritise follow-up.
- Bring a WhatsApp application or credit-assessment workflow to your guided demo.
Your guided demonstration
Walk through your workflow, identify fit and gaps, and agree the next implementation steps. Bring your own workflow; sample or redacted records are all we need.
Arrange a guided demo →WHAT IT DOES
A connected lending cycle.
We demonstrate the fit on your own workflow before implementation.
M-Pesa Daraja, WhatsApp Business and credit bureaus use your own accounts. Their charges are separate; our one-off set-up fees are listed in the add-ons above.
LENDRANGE PRICINGWhat LendRange costs.
Built for multi-branch lenders
01 / Week 1 02 / Weeks 2–3 03 / Weeks 4–7 04 / Week 8 onward
What LendRange costs.
In three clear tiers.
A one-off implementation, then a monthly licence that covers hosting, backups, security patching and every version upgrade. There is no separate maintenance fee.
INTERACTIVE ROI & TIER ESTIMATOR
Calculate your operational savings with LendRange
Estimate how much administrative time and default risk your institution eliminates by automating M-Pesa B2C disbursements and C2B paybill reconciliation.
RECOMMENDED TIER
Growth Tier
KSh 69,000 / month
2,500 active loans
200
750 (Pilot limit)
4,000 (Growth limit)
10,000+
12 field officers
2
8 (Pilot)
30 (Growth)
60+
MONTHLY RECONCILIATION HOURS SAVED
152 hrs
Zero manual M-Pesa receipt verification
ESTIMATED BAD-DEBT MITIGATION
KSh 375,000
Via automated WhatsApp & SMS reminder ladders
STAFF EFFICIENCY MULTIPLIER
3.2x
Active loans managed per officer
Pilot
One branch proving the system on a single loan product before you commit the whole book.
- Implementation
- KSh 195,000
- Licence
- KSh 29,000/month
- Origination, servicing and repayment schedules
- M-Pesa C2B paybill with automatic repayment allocation
- PAR 30/60/90 dashboard and reminder ladder
- Borrower portal with phone and OTP login
- Role-based access, full audit trail, 2FA
- Active loans
- 750
- Branches
- 1
- Staff users
- 8
Growth
A multi-branch lender running group loans and field collections that needs the back office to stop scaling with the book.
- Implementation
- KSh 395,000
- Licence
- KSh 69,000/month
- Everything in Pilot
- M-Pesa B2C disbursement
- WhatsApp banking in English and Kiswahili, plus USSD
- Solidarity groups: joint liability, office bearers, meeting registers, guarantee-fund cover
- Field-officer app with offline capture and duplicate-safe sync
- AI credit scoring (300–850) with written reasoning and a rule-based fallback
- Double-entry ledger, daily M-Pesa reconciliation, period close
- Active loans
- 4,000
- Branches
- 5
- Staff users
- 30
Institution
A regulated lender answering to CBK, a credit bureau and funders, with an integration surface of its own.
- Implementation
- KSh 750,000
- Licence
- KSh 145,000/month
- Everything in Growth
- AI identity verification as a KYC gate, with IPRS lookup where your institution holds access
- AML screening against your configured watchlist
- Credit-bureau ready: Metropol or TransUnion, with your credentials
- IFRS-9 / CBK loan-loss provisioning with dated snapshots
- Impact reporting: women and rural outreach, first-time vs repeat, purpose mix
- Partner API; named support contact with 4-hour response SLA
- Active loans
- Unlimited
- Branches
- Unlimited
- Staff users
- Unlimited
Tier limits are soft: exceeding one starts a conversation about the next tier, never a service interruption. Prices exclude VAT (16%) and are valid for 60 days from the date of quotation. If your policy requires LendRange on your own infrastructure, that is supported at the Institution tier at no change in price.
One-off add-ons, only if you need them
| Service | What it covers | One-off (KSh) |
|---|---|---|
| Data migration | Borrowers, loans, schedules and balances from spreadsheets or an existing system, reconciled against your trial balance before go-live. | 75,000 |
| M-Pesa Daraja go-live | B2C disbursement and C2B paybill registered, callbacks secured and tested end to end against your shortcode. | 60,000 |
| WhatsApp Business API setup | Meta verification, number provisioning, template approval and the bilingual menu configured to your products. | 45,000 |
| Credit-bureau integration | Metropol or TransUnion enquiry and submission, mapped to your product rules. Requires your own bureau agreement and credentials. | 85,000 |
| On-site training | A full day with loan officers, branch staff or finance at your premises. Nairobi included; upcountry at cost. | 35,000 / day |
| Custom report or funder template | Built to a specific funder, board or regulator format and added to your standard report set. | 25,000 each |
Getting live in four stages
Discovery
Map loan products, approval rules, roles and branches, and agree the pilot scope in writing.
Configuration
Configure products, pricing bands, decision rules and channels; migrate and reconcile existing data.
Pilot
One branch or product line goes live with hands-on support through the first full repayment cycle.
Rollout
Phased expansion across products, branches and channels. Your team runs it; we stay on support.
YOUR QUESTIONS
Before you commit.
What should we bring to a first conversation?
Bring one group-lending or individual-loan workflow and a redacted migration sample. Test field collection, duplicate sync handling, repayments, collateral release, and reporting. Compare users, branches, active loans, implementation, payment fees, messaging, and support in the total cost.
What does LendRange cost?
The published tier price plus any one-off add-ons you choose. Pilot starts at KSh 29,000 a month plus a KSh 195,000 implementation, excluding VAT.
Is WhatsApp included?
Yes, from the Growth tier: WhatsApp loan applications and banking in English and Kiswahili. WhatsApp Business setup is a one-off KSh 45,000 add-on, and Meta’s message charges are paid directly.
Are M-Pesa payments included?
M-Pesa paybill repayments are included from Pilot, and M-Pesa disbursement from Growth. Daraja go-live on your shortcode is a one-off KSh 60,000 add-on.
Does LendRange support group lending and field officers?
Yes. Groups, office bearers, meeting registers, joint liability and field-officer assignment are built in, with offline field capture from the Growth tier.
Can LendRange match our loan products?
Bring one real product (interest, fees, term and penalties) to the walkthrough and we configure it on the call. Anything that needs development is quoted separately.
Can you migrate our existing records?
Yes. Borrowers, loans, schedules and balances move from spreadsheets or your current system and are reconciled against your trial balance before go-live (KSh 75,000 add-on).
How reliable is the credit score?
It supports your credit team with a score and written reasons. Check it against your own repayment history before relying on it; the decision stays with your team.
What should we compare when choosing loan software?
Group lending, field collection, M-Pesa reconciliation, collateral controls, reporting, migration, support and the total first-year cost.