Loans, repayments, income, expenses, penalties, visual analytics, BNR compliance, CRB reports — everything your NDFSP, MFI, or SACCO needs. One platform. Zero spreadsheets.
The Problem
Most lending businesses in Rwanda still rely on spreadsheets — exposed to errors, compliance failures, and zero business visibility.
Platform Features
Built for Rwanda's regulations, local workflows, and complete business financial management — not just loans.
From application to final repayment. Automated EMI calculations, payment scheduling, declining balance and flat rate support.
CORETrack all interest income, fees, commissions, and recoveries. See exactly how much your institution earns per period with visual breakdowns.
NEWRecord and categorize operational expenses — staff costs, admin fees, bank charges. Full P&L visibility from a single dashboard.
NEWAutomatically calculate and record penalties on overdue loans. Track penalty income separately with full audit history per loan.
NEWBeautiful charts showing loan trends, income vs expenses, NPL ratios, and portfolio health — updated in real time. Know your business at a glance.
NEWMonthly and quarterly internal reports — portfolio performance, income statements, expense summaries, and balance sheets.
NEWNational ID-based lookup with cross-institution detection. Auto-fills info, detects duplicate borrowers, alerts on unpaid loans elsewhere.
COREAutomatic SMS on disbursement with amount, company name, and due date. Payment reminders keep default rates low.
COREAuto-classifies loans: Normal, Watch, Substandard, Doubtful, Loss. Provisions at 1%, 3%, 20%, 50%, 100% per regulation.
COMPLIANCEOne-click BNR credit classification reports with 9 color-coded sheets. NDFSP quarterly template auto-populated from your data.
COMPLIANCEFull 74-column TransUnion Rwanda submission file — borrower, loan, collateral, and guarantor data pre-filled and ready.
COMPLIANCEManage multiple NDFSPs from one super-admin account. Each institution's data is fully isolated and secure.
COREBusiness Intelligence
Real-time visual insights into every corner of your lending business — from income earned to expenses spent to portfolio health.
Regulatory & Internal Exports
From BNR submissions to internal P&L reports — fully formatted, regulation-compliant Excel files generated from your live data.
Enterprise Security
Every login is protected with two-factor authentication. Your customer data, loan records, and financial reports are secured at every level.
Subscription Plans
Contact us to get a plan tailored to your institution's size and needs. No hidden fees, no surprises.
Perfect for small lending groups and individual money lenders getting organized.
For NDFSPs, SACCOs, and MFIs needing full compliance, analytics, and business management.
For large institution networks needing custom integrations, branding, and dedicated support.
Our Clients
From capital firms to community finance — Credlyrw powers their daily operations.
"Credlyrw transformed how we manage our portfolio. BNR reports that took 3 days now take 10 minutes. The income tracking and visual analytics give us clarity we never had before."
"The 2FA security and expense management are exactly what we needed. Customers get SMS confirmations on every disbursement. Default rates dropped by 30% in 3 months."
"Penalty recording and cross-customer detection have been game changers. We caught 6 customers with unpaid loans elsewhere before disbursing. The analytics show our business in a new way."
Ready to transform your business?
Join Rwanda's fastest-growing lending platform. Loans, analytics, compliance, expenses — all in one secure place. Get set up in under a day.