Microfinance software solutions for modern MFIs
Microfinance grows on trust, speed, and operational discipline. Finpace provides the banking and lending backbone microfinance institutions need to digitize onboarding, manage savings and loan portfolios, automate collections, and integrate with local payment ecosystems. Deliver inclusive financial services without building a patchwork of tools that breaks under scale.
Trusted by financial institutions and fintechs
Microfinance core built for real world operations
Finpace is designed for the realities of microfinance operations: cash heavy environments, agent networks, field officers, intermittent connectivity, and high volume repayment events. The platform supports both individual and group based models, while keeping contract states, balances, fees, and delinquency logic consistent across channels.
Finpace helps you run one coherent system of record across onboarding, lending, collections, and reporting, so your team spends less time reconciling and more time expanding access.
Supporting capabilities commonly required in microfinance:
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Cash in and cash out via agents and branches
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Mobile money interoperability and wallet based repayments
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USSD support where smartphone adoption is uneven
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Configurable fees, penalties, waivers, restructures, and write offs
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Accounting grade postings and reconciliation outputs
Proven success across diverse markets
In microfinance, reliability is a business requirement. Finpace is built to operate continuously in demanding environments with high transaction volumes, complex product variations, and evolving regulatory expectations. Clients use Finpace to reduce manual back office workload, shorten time to launch, and keep governance evidence intact as the portfolio grows.
This is not a toolkit you assemble on your own. Finpace is delivered with the implementation discipline required for production lending, including configuration support, integration patterns, and operational readiness.
Finpace overview
Reimagining the microfinance operating backbone
Finpace supports the microfinance lifecycle end to end and connects to the rails and partners you depend on through a stable integration layer. It is built for institutions that need operational reliability first, not a demo.
Product setup and configuration
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Define product templates, pricing rules, fee models, penalties, grace periods, and eligibility constraints.
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Model products for individual and group lending.
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Support multiple repayment frequencies and schedule calendars.
Origination and servicing workflows
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Capture applications through digital channels or assisted workflows.
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Track states from application to approval, disbursement, repayment, delinquency, restructure, and closure.
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Enforce role based actions and approvals to match your control model.
Delinquency and collections
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Define delinquency stages and triggers.
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Support field collections and team based assignment.
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Track outcomes and apply servicing actions without breaking balances.
Loan schedule and repayment behavior
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Support partial payments, overpayments, early settlement, and prepayment rules.
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Apply payment allocation policies across principal, interest, fees, penalties, and charges.
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Handle waivers, reversals, and corrections with auditable events.
Ledgers and financial reporting outputs
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Produce postings suitable for finance workflows.
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Preserve traceability across contract events, adjustments, and operational actions.
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Support exports and event feeds into reporting pipelines.
Customer accounts and savings
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Open and manage accounts with real time balance visibility.
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Apply account level controls, holds, and fee rules.
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Provide statements and transaction history across channels.
Customer facing mobile experience for onboarding, savings, repayments, and statements. Supports both self serve and assisted journeys depending on your operating model.
Integrations
Banking partners
Connect to sponsor bankins or settlement accounts where your operating model requires it.
Mobile Money
Disburse loans and collect repayments through domestic payment infrastructure and mobile money providers.
Identity verification
Plug in your preferred KYC provider, or use your internal verification flow, while keeping onboarding consistent across channels.
Credit bureaus
Bring in bureau checks and external data sources as inputs for underwriting and portfolio decisions.
Messaging and notifications
Send reminders and servicing messages via SMS, WhatsApp, email, or push, using your existing providers.
Reporting and analytics
Export operational and portfolio data to BI tools or data platforms for performance monitoring and internal reporting.
Build the future of banking in Africa
Finpace is a software platform used to build and run digital financial products. For microfinance teams, it supports onboarding, basic accounts, loan servicing, collections workflows, and integrations with local payment rails and third party providers. It’s built for institutions that want a practical system they can implement and operate without overengineering.
Microfinance core and lending
Our software supports the core workflows microfinance teams run every day: customer onboarding, savings accounts, loan servicing, repayments, and basic collections tracking. It also connects to local payment rails and third party providers through APIs, so you can fit it into your existing setup.
Flexible delivery models
Our clients
Microfinance institutions and digital lenders
Finpace supports MFIs and lenders modernizing their operating model across onboarding, savings, lending, and collections, while maintaining control over product design and risk policies.
Why Finpace?
End-to-end delivery
Finpace is delivered as an implementation, not just a software handover. We support you through scoping, configuration, environment setup, and the integrations required for go live. After launch, we provide a structured path for upgrades, support, and incremental rollout as you add products, channels, or countries.
Regional experience
Finpace operates across multiple markets with different payment rails, KYC approaches, and reporting expectations. This helps microfinance teams reduce delivery risk and choose integration and operating patterns that fit local realities.
Local partnerships
Finpace works with local partners when a market requires it. This can include payment providers, identity services, and implementation partners, depending on your country, timelines, and delivery model.
“What changed for us was technical clarity. Customer records, loan states, and repayment events sit in one system, so downstream reporting and integrations are simpler. We stopped reconciling multiple sources of truth and started building on one consistent dataset.” - Ibrahim Okoye, Head of Technology @InfinityBank
Built to scale with your portfolio
Finpace supports microfinance teams as they grow from a small loan book to higher volumes. Core workflows stay in one system, integrations are handled through APIs, and operational teams get the tools to manage servicing and collections without constant manual work.
Let’s build the future of banking together
Whether you’re scaling what works or starting something new, we’re here to help. Book a discovery session and explore what’s possible with Finpace.