Kopa Flow
A complete, cloud-based loan management platform designed for microfinance institutions, SACCOs, cooperatives, and digital lenders operating across Africa. Manage your entire lending lifecycle — from application to final repayment — in one place.
Kopa Flow launches on July 1st 2026 at kopaflow.com. Register your interest now and be the first to get access.
Everything your lending operation needs
Loan Origination
Digitise your application and approval process with configurable workflows, document uploads, and credit scoring.
Repayment Tracking
Record payments, auto-calculate interest and penalties, and send automated SMS or email reminders to borrowers.
Borrower Management
Maintain detailed borrower profiles with loan history, identity documents, guarantor records, and repayment behaviour.
Reporting & Analytics
Real-time dashboards showing portfolio health, PAR (portfolio at risk), disbursements, collections, and branch performance.
Multi-branch Support
Manage multiple branches and loan officers under one platform, with role-based access control and consolidated reporting.
Mobile-ready
Access Kopa Flow from any device. Field officers can capture applications and collect payments from a phone or tablet.
Built for lenders of every size
Microfinance Institutions
Purpose-built for MFIs that need to manage large borrower volumes with compliance, reporting, and audit trails.
SACCOs & Cooperatives
Handle member savings, share capital, and loan products in one system with full member account visibility.
Digital Lenders
Integrate via API with mobile money platforms and CRBs for a fully automated, digital-first lending experience.
See KopaFlow in action
A complete loan management platform — built for the way African financial companies actually work.
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Be the first to modernise your lending operations
Kopa Flow goes live at kopaflow.com on July 1st. Register your interest today and our team will reach out with early access and pricing.