Enterprise Loan & Debtor
Management System
Full loan lifecycle. Debtor recovery pipeline. Guarantors. Collateral. Auctions. Credit scoring. Accounting. M-Pesa. Customer portal. Multi-branch.
Built on Laravel + React/Inertia.js. 20+ modules. Used by microfinance institutions, SACCOs, and lending companies across Kenya.
Repayments go missing
“Borrower says 'I paid'. No record. You lose KSh 200K.”
M-Pesa auto-reconciliation. Every payment tracked. SMS receipts.
Debtors disappear
“Overdue 90+ days. No follow-up. Portfolio at risk grows.”
Auto-escalation pipeline. Demand letters. Field recovery.
Manual approvals
“Loan sits 5 days awaiting approval. Customer goes to competitor.”
Multi-level auto-workflow. Same-day disbursement.
No credit scoring
“You lend to serial defaulters. 30% bad debt ratio.”
AI credit scoring. Blacklist checks. Fraud detection.
Collateral chaos
“Items stored in unknown locations. Seizure failed twice.”
Collateral vault. GPS. Photos. Status lifecycle tracking.
Multi-branch blind spots
“Head office can't see branch performance. Fraud unchecked.”
Branch-scoped data. Cross-branch reporting. Audit trail.
350+
Lenders
4.9 ★
Rating
20+
Modules
10+
Loan Types
50+
Reports
What You Gain With Kemet Loan System
Reduce Defaults 60%
Credit scoring. Auto reminders. Escalation pipeline.
Disburse Same Day
Multi-level approval workflow. M-Pesa STK Push.
Recover 3x More
Automated recovery pipeline. Auction management.
Full Accountability
Double-entry accounting. Audit trail. Immutable logs.
Scale to 50+ Branches
Branch-scoped operations. Cross-branch override.
Zero Fraud
Blacklist. Duplicate detection. Device/IP tracking.
Loan Lifecycle
Application
Approval
Disbursement
Active
Payments
Overdue
Recovery
Closed
20+ Modules. Complete Lending Platform.
From application to recovery. Click tabs to explore.
Built With Enterprise Technology
One-Time Payment • No Monthly Fees
Self-hosted. Own your data. All modules included.
Enterprise Loan License
$500
$899
Save $399 — Limited Time
- Full Loan Lifecycle + 10 Product Types
- Debtor Recovery + Auction Management
- M-Pesa STK Push + Auto-Reconciliation
- Double-Entry Accounting + Reports
- Credit Scoring + Fraud Detection
- Customer Portal (OTP Login)
- Multi-Branch + Role-Based Access
- Lifetime License + 12 Months Support
Stop Losing to Defaults Today
Join 350+ lenders recovering more with Kemet.
Buy Now – $500 (One-Time)100% Money-Back • Instant Access • Lifetime Updates