A complete banking platform for microfinance institutions, SACCOs, and lenders. Provision your server your way, or let us handle it. Flat $99/month.
Everything included
From loan origination to mobile money collections - everything your institution needs, at one flat price.
Full lifecycle from application to closure. Flat and declining balance, multi-tranche disbursement, rescheduling, collateral, guarantors, write-offs, and automated repayment schedules.
Savings accounts, fixed deposits, recurring deposits, and SACCO share capital all in one system. Automated interest accrual, maturity handling, and standing instructions.
Every transaction automatically posts to the general ledger. Chart of accounts, manual journal entries, trial balance, income statement, and balance sheet - no external accounting software needed.
Borrowers log in to check their balance, repayment schedule, and transaction history, upload KYC documents, apply for loans, and download statements - no staff involvement needed.
Collect repayments and disburse loans via mobile money. Your account, your relationship with the provider - we don't touch the funds.
Multi-tier KYC (basic - standard - enhanced) with document verification workflows. Pull credit history from your regional bureau directly from the loan application screen.
Four-eyes approval on disbursements, journal entries, and all high-risk actions. Immutable audit log on every change - required by most regulators, built in by default.
JLG, solidarity groups, and village banking with joint liability tracking. Group meetings, attendance, collection sheets, and credit committee reviews all in one place.
Your logo, your brand colors, your institution name throughout the entire platform - including borrower-facing portal and all generated documents. No Kovara branding visible to your customers.
Portfolio at risk, aging analysis, PAR30/60/90, loan officer performance, and regulatory submissions. Schedule reports to email automatically. Custom SQL report builder for everything else.
Auto-generate loan agreements, disclosure forms, and contracts from templates pre-filled with borrower and loan data. Send for e-signature and store signed copies on your server.
Full JSON REST API with OpenAPI documentation. Webhook events on every major state change - loan approved, repayment received, account closed. Build your own integrations or connect third-party tools.
Bring your own provider accounts - connect them directly, pay them directly
Who it's for
Whether you're a solo lender with 50 borrowers or a national institution with 50,000 members, Kovara scales with you.
Running a lending business on spreadsheets? Kovara replaces Excel with a professional platform - track every loan, automate repayment reminders, and generate reports in seconds.
CBN-licensed MFBs and microfinance institutions get a fully compliant, self-hosted platform that keeps borrower data on-premises - exactly what regulators want to see.
Member management, share capital tracking, group loans, and dividend calculations - all in one system that members and staff actually enjoy using.
Private Lenders
If you're tracking loans in spreadsheets, chasing repayments manually, or losing visibility as your portfolio grows - Kovara gives you a proper platform without the six-figure setup cost or the 12-month implementation timeline.
Portfolio visibility
See every active loan, overdue account, and upcoming repayment on a single dashboard.
Automated reminders
SMS and email reminders sent automatically before and after due dates - no manual chasing.
Borrower portal
Borrowers log in to check their balance, schedule, and documents. Fewer support calls for your team.
Investor-ready reports
Generate portfolio performance reports in seconds - for investors, auditors, or your own records.
Regulatory compliance
Audit trails, data residency controls, and regulator-ready reports built in from day one.
Multi-branch operations
Manage every branch from a single instance. Consolidate reporting across your entire network.
Maker-checker workflows
Four-eyes approval on disbursements, journal entries, and high-risk actions - required by most regulators.
KYC & credit bureau
Connect your KYC provider and regional credit bureau. Run checks directly from the loan application.
Microfinance Banks & MFIs
Licensed MFIs and microfinance banks need more than loan tracking - they need audit trails, data residency, and controls that satisfy regulators. Kovara is built self-hosted by default, so borrower data never leaves your infrastructure.
SACCOs & Cooperatives
SACCOs run on trust. Kovara gives your members a self-service portal where they can see their share balance, loan status, and transaction history - while your team manages the full cooperative lifecycle in one place.
Share & savings tracking
Full share capital ledger, savings accounts, and dividend calculations - automated at year end.
Group & solidarity loans
Create group loans, track individual member obligations, and manage joint liability schedules.
Member self-service
Members log in to view balances, apply for loans, and download statements - no staff required.
AGM & meeting tools
Track attendance, record resolutions, and produce minutes and financial summaries for your AGM.
Zero-friction migration
We're building a migration tool that imports your existing data directly into Kovara - no data loss, no manual re-entry, no consultants required.
Your data, intact.
Borrowers, loans, repayment history - everything moves over. Nothing gets left behind.
We do the heavy lifting.
No IT team required. We guide you through the migration from start to finish.
Live before end of day.
Not weeks of implementation. Not months of training. Your team is operational in hours.
Simple pricing
Everything included, regardless of how you deploy. No per-account fees, no usage markups.
+ server costs - bring your own or let us provision one at cost
Choose how you deploy
Self-Hosted
Provision your own server or use the built-in server provisioning in Kovara Hub. You're in full control.
Kovara Managed
We provision, deploy, and maintain. Server billed at cost - no markup.
Questions? hello@kovara.io
Get Kovara running on your server today. No demo calls. No sales process. Just deploy and go.