Kopa Flow
A modern loan management platform for microfinance institutions, SACCOs and digital lenders across Africa.
A complete, cloud-based lending platform for microfinance institutions, SACCOs, cooperatives and digital lenders across Africa. Application through to final repayment, in one system.
Launches 1 July 2026 at kopaflow.com
Visit kopaflow.comEverything a lending operation runs on.
Loan origination
Configurable application and approval workflows, document uploads and credit scoring.
Repayment tracking
Record payments, calculate interest and penalties automatically, and send SMS or email reminders.
Borrower management
Profiles carrying loan history, identity documents, guarantor records and repayment behaviour.
Reporting and analytics
Portfolio health, portfolio at risk, disbursements, collections and branch performance, in real time.
Multi-branch support
Many branches and loan officers on one platform, with role-based access and consolidated reporting.
Built for the field
Officers capture applications and collect payments from a phone or tablet, including offline.
Built for lenders of every size.
- Microfinance institutions
- For MFIs managing large borrower volumes, where compliance, reporting and a clean audit trail are not optional.
- SACCOs and cooperatives
- Member savings, share capital and loan products in one system, with full visibility of every member account.
- Digital lenders
- API integration with mobile money platforms and credit reference bureaus, for lending that runs end to end without paper.
Tell us what you need to build.
Send us the problem in your own words. You get back an approach, a timeline and a number, at no cost.
Get a quote