01
“Who is behind this week?”
The book is in spreadsheets and notebooks. Working out who is in arrears takes a day of cross-checking. By the time you finish, another round of payments is already due.
Loan management, built for lenders
A borrower says they paid. You go looking through the book.
Lenda keeps every loan, repayment and arrears figure in one place, with mobile money matched for you.
Hosted for you · Built with AI
Three weeks every lender knows.
None of it is bad management. It is what happens when the loan book lives in spreadsheets and notebooks.
02
A payment lands. Whose was it?
Mobile money comes in all day. Matching each one to the right loan is done by hand, so money sits unassigned and the week goes to reconciliation.
03
An investor asks for the numbers.
You build the report by hand, late into the night. You send it, and you are still not fully sure every figure ties out.
One system. Four clearer days.
The owner
Open Lenda and see the whole book at a glance. Who is current, who is behind, what is at risk. Before the month closes, not after.
The loan officer
Open a borrower and see every loan, every payment, and the next due date. No hunting through files.
The finance person
Mobile money matched to the right loan for you. Reconciliation that used to take the week takes an afternoon.
The borrower
A clear statement whenever they ask. They can see what they owe and when, without a phone call.
What Lenda does.
Every loan in one place: products, repayment schedules, balances and arrears.
Mobile money matched for you: payments reconciled to the right loan, not by hand.
Arrears you can see coming: who has slipped, and who is about to, before it becomes a default.
Reports that tie out: for your board, your investors and the regulator.
Hosted and backed up: we run it for you, so there are no servers to mind.
No custom code: configuration only, so the system stays yours to keep.
Borrower identity verified: national ID captured and checked before a loan goes out, not after.
Ready for regulatory reporting: loan classification, credit bureau submission data, and AML screening fields, all on file when you need them.
Clear position anytime: a snapshot of the whole book, current, overdue, or at risk.
Built for how lenders are actually regulated.
Uganda has been closing in on lenders who cannot show who their borrowers are or where the money went. Lenda keeps the paper trail ready before anyone asks for it.
Identity and screening on file. National ID and AML flags captured at onboarding, sitting on the borrower record, not in a separate file.
Classification ready. Every loan carries a status current, watch, substandard, doubtful or loss, the categories a regulator expects to see.
Credit bureau ready. Submission data formatted the way your bureau wants it, not reassembled by hand every cycle.
Pick how much help you want.
Each tier includes the one before it. We recommend Grow.
Start
Every loan, on record.
- Loans, products and repayment schedules on file
- Borrowers and guarantors on file, with national ID captured
- Repayments recorded and matched to the right loan
- Arrears visible, loan by loan
- Hosting, staff training and email support
Also in Start
- Identity details captured at onboarding, ready for KYC checks
- A simple arrears summary for the loan officer
- Basic loan classification: current or overdue
- Six roles, so everyone sees only what they need
- Email support, answered within 72 hours
GrowRecommended
Lenda chases and reconciles before you do.
Everything in Start, plus
- Mobile money matched to the right loan automatically
- Arrears alerts before a loan tips into default
- Loan classification ready for regulatory reporting
- Credit bureau submission data formatted and ready to send
- Statements borrowers can request without calling you
- A portal where borrowers see their own position
Also in Grow
- AML screening fields flagged for review at onboarding
- A reconciliation summary emailed at the start of each week
- A review of your setup with us every term, free
- WhatsApp support, answered within 48 hours
Lead
We read the book with you.
Everything in Grow, plus
- Termly written report for your board and investors
- Portfolio risk read before it shows up in arrears
- Support preparing submissions to Bank of Uganda and your credit bureau
- A plan for every loan approaching maturity
- One onsite or video review each quarter
- A dedicated support line, answered the same day
Also in Lead
- Reports show which loan products and branches carry the most risk
- Your provisioning numbers checked and confirmed by us
- Up to two custom reports or workflow changes each year
- Annual data audit before a regulatory review
Start records. Grow chases and reconciles. Lead reads the risk with you. We agree what is covered, and what it costs, after a first call. No standard packages.
Straight answers to the usual questions.
What is Lenda?
Loan management software for lending businesses in Uganda. It keeps every loan, repayment and arrears figure in one place, and matches mobile money to the right loan for you.
Does it handle mobile money?
Yes. Payments are matched to the right loan, so reconciliation stops eating your week.
Can it track arrears and overdue loans?
Yes. You see who is behind, and who is slipping toward it, before it becomes a default.
Does Lenda handle borrower identity checks?
Yes. National ID details are captured when a borrower is onboarded and sit on their record, ready for a KYC check.
Can Lenda help with Bank of Uganda or credit bureau reporting?
Yes, at Grow and above. Loans carry a classification status, and credit bureau submission data is formatted and ready to send, not rebuilt by hand each cycle.
Does Lenda screen for anti-money laundering risk?
At Grow and above, screening fields are flagged for review at onboarding, so a risk sits on the loan file where your team can see it, not somewhere separate.
Do we need our own servers or an IT person?
No. We host Lenda for you and keep it backed up.
How fast can we start?
About one week, including training your staff.
How much does it cost?
It depends on your business and the tier. Write to us and we will agree what is covered and the price. No standard packages.
What if my staff do not use it?
Then we keep working with you, free. If your team is not using Lenda every day three months after you start, we do not stop.