From application to repayment

One loan's journey through Kadimo, and what each person sees along the way.

Apply
At the branch, or from the borrower portal. The borrower is looked up by Omang or passport number, so a returning customer is captured once.
Assess
Income, employment and documents are checked against the product's rules, and the affordability assessment is kept with the application.
Offer and sign
The offer shows the cost of credit before anything is signed. Electronic signing through PulaSign is coming.
Approve
The approval policy for the amount decides who signs off. Each decision is recorded with the person and the time.
Pay out
Cash from the teller's till or a payment out, recorded against the loan and the branch's cash.
Repay
At the counter with a numbered receipt and SMS proof of payment, or by debit order or payroll deduction. Each payment is allocated to fees, interest and principal.
Collect
Arrears show up the day they happen. Reminders go out by SMS, WhatsApp or email, and replies come back to the same conversation.
Come back
When the loan is settled, a customer who paid well can be invited back automatically, with an offer sized from their record.

Getting started

A demo with your products
We show Kadimo working with loans like yours.
Your set-up
Companies, branches, products, staff and roles, and your portal's brand.
Your data
Customers and live loans imported from your old system and reconciled.
A pilot branch
One branch goes live first, then the rest.

Tell us how many branches you run and which loans you offer. We will show you Kadimo working on the same kind of book.