YumiLoan gives MFIs, credit unions, and lending companies a complete toolkit — loans, repayments, savings, reports, payroll, and more. All in one place, in Vatu.
Every module you need to run a professional MFI — from loan origination to financial reporting.
Full lifecycle — origination, approval, disbursement, repayment tracking, and automated status transitions.
Auto-generated amortisation schedules on disburse. Flat-rate, reducing balance, interest-only — 5 types supported.
Multiple savings products with auto-numbered accounts, deposit/withdrawal tracking, and interest accrual.
Full borrower profiles with photos, unique IDs, risk ratings, business details, and restriction flags.
NewMulti-branch hierarchy with staff assignment, loan limits per branch, and branch-level performance tracking.
ProPAR aging (6 buckets), Balance Sheet, P&L, Cash Flow, disbursement reports, and collector performance.
ProRole-based access control. Loan officers only see their portfolio. Default-deny for any unregistered permission.
Automated emails for loan approval, disbursement, repayment due, overdue alerts, and more — per-company templates.
Preview-and-confirm bulk upload for borrowers, loans, and repayments. Validates before committing.
Register assets as collateral, attach to loans, compute LTV ratio. Freeform or linked guarantor records.
Canvas-based digital signatures for borrower, officer, and guarantor. Stored as PNG on the loan record.
ProTrack investor portfolios, deposits, returns, and fees. Full ROI summary and CSV export per investor.
ProFullCalendar.js dashboard showing due dates, disbursements, and events colour-coded by status.
Phone + PIN login for borrowers. Read-only view of their loans, schedules, and payment history.
NewCompute staff payroll, generate payslips, mark-paid, and export to CSV. Linked to branch structure.
ProCapture restructure terms, regenerate repayment schedules, and maintain a full restructure history on the loan.
ProDrag-and-add fields to build custom intake forms. Public submission URLs with staff review workflow.
ProEvery state change, repayment void, permission update, and login written to an immutable audit log.
No IT team. No setup fees. Register, configure, and start lending the same day.
Sign up, pick your plan, and set your currency (VT, USD, AUD, and more). Your account is live immediately.
Create loan products, set interest rates and fees, define branches, and invite your team with the right roles.
Upload existing borrowers via CSV bulk import — with preview before committing — or add them individually.
Originate loans, disburse, and the system auto-generates repayment schedules and sends email reminders.
Start free for 14 days. No credit card required. Upgrade when you're ready.
For small MFIs and credit cooperatives getting started with digital loan management.
The full toolkit for growing lending businesses and multi-branch operations.
For large MFIs, banks, and NGOs with unique requirements or high transaction volumes.
All plans include a 14-day free trial. No credit card required. Cancel anytime.
Start your free 14-day trial today. No credit card, no setup fees, no IT team needed.