Shacflow
Loan origination and servicing for lenders
Shacflow takes a loan from first enquiry to final repayment. Borrowers apply from their phone on your own page, your team reviews and approves with a clear audit trail, and repayments, reminders and arrears are tracked for you.
Made for Microfinance institutions and non-bank lenders offering salary advances, trader loans or SME working capital.
What Shacflow does
Your own borrower page
A branded page with a live loan calculator in weeks or months. Borrowers sign up by email or Google.
Online applications
A step-by-step form that saves as they go, with document uploads and clear requests for missing details.
Automatic screening
Blacklist, age and affordability checks shown to the reviewer on every application.
Four-eye approval
A loan officer recommends and a manager decides. Every step is recorded.
Loans and repayments
Repayment schedules, receipts by email, reminders before and after due dates, and bad-debt marking.
Financial trends
Daily interest accrual, collections against what was due, arrears ageing and projections.
See it at work
Pricing
One fixed monthly subscription for every lender, whatever its size.
Also from Kulwa Systems
Let's talk about your business
Tell us what you manage or lend, and we will show you the product live and help you set it up.
Lusaka, Zambia