Solutions · Microfinance institutions
Microfinance software: multi-branch oversight without a spreadsheet consolidation project
Growing lending companies use LoanTabs Enterprise to give every branch a consistent workflow, while head office gets real-time visibility into the whole portfolio.
30-day free trial, no credit card required.
What is microfinance software?
Microfinance software runs many small loans across branches and officers: loan products, schedules, payments, approvals by role, portfolio-at-risk reporting, provisioning and accounting. LoanTabs Enterprise supports up to 10 branches with unlimited staff seats, with per-branch approval rules and 11 staff roles.
An MFI's central problem is consistency at scale: every branch should apply the same policy, and head office should see the portfolio without waiting for spreadsheets. Our guide on how to choose microfinance software explains what MFIs need from a system in more depth, including the group lending and savings questions to ask any vendor.
One portfolio view, every branch accounted for
Enterprise scales to up to 10 branches and unlimited staff seats, with per-branch approval rules that keep every branch operating under the same policy.
Portfolio Overview
Last 30 daysActive Loans
1,284
Portfolio at Risk
2.1%
Disbursed (MTD)
$186.4k
Where MFIs get stuck
No visibility across branches
Portfolio and collections reports show each branch and officer, and admins can switch between branches.
Approvals happen over chat or in person
Per-branch loan approval rules by role, fully logged, so every branch follows the same policy.
Staff oversight is manual
11 staff roles with defined permissions, and staff assigned to branches, built in.
Accounting is reconciled separately from the loan book
Double-entry accounting linked automatically to every loan, payment and expense.
Portfolio quality is measured too late
Portfolio at risk, aging, provisions and loan classification are built-in reports, updated as officers work.
Field collections are hard to follow up
A daily collection sheet per officer lists borrowers due, with phone numbers, and a delinquency worklist shows arrears.
What is included on Enterprise
How does a field team work in LoanTabs?
Field officers collect during the day and their payments are recorded in LoanTabs from any web browser, at the branch or on the road. Mobile money repayments are recorded against the loan like any other payment, and a cash account that represents the mobile money till makes daily reconciliation straightforward; see our guide to mobile money loan repayments.
If your core business is individual and small-business lending across branches, the standard product covers it, and a 30-day trial with up to 10 branches lets you test it on your own data. Group lending and a SACCO add-on for member savings are included in the trial and the Corporate and Enterprise plans, and payroll is delivered as a custom implementation on the Custom plan.
How do microfinance rules differ by country?
Microfinance is overseen country by country. Bangladesh has the Microcredit Regulatory Authority for NGO microcredit, India defines microfinance loans at the household level, Tanzania organizes non-deposit-taking providers in tiers, Uganda oversees SACCOs and non-deposit-taking microfinance institutions under its Tier 4 law, and Sri Lanka created a new authority in 2026.
Each country guide names the regulators, credit bureaus and repayment channels, and shows how to set up LoanTabs for that market. The full list is on the loan software guide.
Loan software for microfinance institutions: common questions
How many branches does LoanTabs support?
Enterprise supports up to 10 branches with unlimited user seats. The 30-day trial also includes up to 10 branches.
Does LoanTabs report portfolio at risk?
Yes. It includes portfolio at risk, aging, provisions, loan classification and collections reports, exportable to CSV, Excel and PDF.
Can LoanTabs support group lending?
Yes. Group lending is built in: groups with members and leaders, loans to each member or to the whole group, a collection sheet for the meeting, and Group performance, Group collection sheet and Exposure by group reports. It is included in the free trial and the Corporate and Enterprise plans.
How do I handle mobile money repayments?
Record each mobile money payment against the loan like any other payment, and use a cash account to represent your mobile money till for daily reconciliation.
Keep exploring
- Loan management softwareThe LoanTabs overview: what it does, who it is for and what it costs.
- Online loan management systemRun your loan book from any browser, with nothing to install.
- Loan software guideThe types of loan software, what each does and how to choose.
- Lending software and lending management systemsWhat a lending management system covers, end to end.
- Loan management software for small businessBuilt for money lenders: quick setup, small-team workflow, simple pricing.
- Online loan application softwareTake and process loan applications online, from intake to disbursement.
- Loan management solutionSoftware, setup, migration, training and support in one solution.
- Loan tracking softwareTrack balances, due dates and overdue loans, with an aging example.
- Loan repayment softwareRecord, allocate and receipt repayments, with a worked example.
- SACCO vs MFIHow the two models differ and what each needs from software.
Test multi-branch lending on your own data
Start a 30-day free trial with up to 10 branches and unlimited seats.
No credit card required