The platform
Every step of the deal lifecycle. One unified financial operating system.
Twenty-three modules across nine functional pillars — from lead to investor paid out. Each module is described the way it changes your week, not the way it looks in a brochure.
01
CRM & Origination
Convert your prospects into active clients. Applications from the web or Apply@ email create themselves in the CRM — with internal risk assessment and NCA pre-screening tracked from the first touch.
What's inside
- —Leads Management
- —Sales Pipeline
- —Client Repository
- —People & Contacts
- —Loan Applications
02
Lending Engine
Processing originations through to payout. Credit decisions queue for your team and committee, an active loan book monitored for health, and a disbursement queue for approved funds ready for EFT.
What's inside
- —Pending Approvals
- —Active Loan Book
- —Disbursement Queue
- —Fee & Interest Invoices
03
Investor & Fund Management
The engine the whole platform is built around. The moment a deal settles, every investor's return is calculated automatically — each model applied, your retained margin shown, and WF-107 notifies every fund partner.
What's inside
- —Fund Partner Profiles
- —Co-Funded Deals
- —Automatic Payout Calculation
- —Investor Ledger
- —WF-107 Payout Notifications
04
Collections & Recovery
Delinquency management and payment promises. A dialing queue, automated SMS campaigns and PAR buckets — 1-30, 31-60, 61-90, Legal/NPL — make sure nothing waits for someone to remember it.
What's inside
- —Recoveries & Collections
- —Operations Board
- —Calendar
05
Messaging & Communications
Omnichannel communications — Email, SMS and WhatsApp in one Unified Inbox, with a support & tickets desk for customer success. Reach your book where they already are.
What's inside
- —Unified Inbox
- —Support & Tickets
06
Reporting & Analytics
Actionable business intelligence. An executive dashboard, a six-report studio and predictive analytics that flag disbursement volatility and stratify risk before it bites.
What's inside
- —Dashboard
- —Reporting Studio
- —Predictive Analytics
07
Automation
An event-driven business logic engine. No-code rules — WF-101 to WF-107 — trigger emails, SMS alerts and webhooks, including the investor payout notification at settlement.
What's inside
- —Workflow Automation
08
Compliance & Governance
NCA pre-screening that cannot be bypassed, a weighted risk engine, POPIA field-level logging, committee approval on large deals, and an immutable 7-year audit trail.
What's inside
- —System Audit Trail
- —System Configuration
09
System & Security
Enterprise-grade platform management. Role-based access with six named roles, an encrypted document vault, a connected integrations hub and security controls including 2FA and session timeouts.
What's inside
- —Document Vault
- —Integrations Hub
- —User Directory
Workflow automation
The event-driven business logic engine.
No-code rules trigger emails, SMS alerts and webhooks across the lifecycle — including WF-107, which notifies fund partners the moment a settlement payout is calculated.
New Lead Welcome
Trigger: Lead Created
Action: Send Email
High Risk Alert
Trigger: Risk Score Exceeded
Action: Slack Notify
Payment Reminder
Trigger: 3 Days Before Due
Action: WhatsApp
Approval Escalation
Trigger: Approval Stalled
Action: Notify Manager
Client KYC Refresh
Trigger: Annual Recurrence
Action: Request Update
Dormancy Recovery
Trigger: 30 Days Inactive
Action: Sales Call
Investor Payout Notification
Trigger: Deal Settled
Action: WhatsApp to Fund Partners
The risk engine
Every application scored on an auditable weighting matrix.
The platform assigns a credit risk profile to every application — a transparent score you can see, defend and adjust. NCA pre-screening runs first and cannot be bypassed.
Risk stratification across Credit · Market · Ops · Compliance · Fraud — with predictive analytics flagging disbursement volatility before it becomes a problem.
Risk weighting matrix
Integrations hub
Connect your third-party financial ecosystem.
WhatsApp Business
Automated client messaging and support
● Connected
Xero Cloud Accounting
Auto-sync invoices and bank reconciliations
● Connected
DocuSign e-Signature
Legally binding digital document signing
● Connected
Stripe Connect
Process card payments and autopayments
● Connected
Plaid Data Sync
Instant bank statement verification
● Connected
Slack Notifications
Sync system alerts to workspace channels
● Connected
FNB / SBSA / Nedbank
Bank mandates and disbursement wiring
● Connected
Reporting studio
Actionable business intelligence — on schedule.
A six-report studio against the live book, plus an executive dashboard and predictive analytics. Your Monday digest is assembled and delivered before you reach the office.
Monthly Portfolio Health
Comprehensive loan book performance metrics
NCA Compliance Audit
Regulatory data required for annual submission
Sales Conversion Funnel
Analysis of lead to disbursement speed
Collector Performance
Recovery rates and productivity per agent
Revenue & Interest Earned
Projected vs actual P&L from interest
Aging Schedule (Arrears)
Daily buckets of overdue accounts
User directory
Six roles. Role-based access, configured per user.
Default module access per role, with per-user overrides. Two-factor authentication and session timeouts enforce who can see what.
Admin
Full platform control — configuration, security and all modules.
Manager
Oversees pipeline, approvals and portfolio performance.
Officer
Runs origination, risk assessment and deal processing.
Collector
Owns recoveries — dialing queue, promises and PAR buckets.
Accountant
Manages fee & interest invoices, statements and reconciliations.
Credit Committee
Mandatory sign-off on loans above your committee threshold.