Run your entire lending business online
Create, Manage & disburse loans at scale
The complete loan management platform for fintechs, lenders and cooperatives. Onboard your team and start operating today
The complete loan management platform for fintechs, lenders and cooperatives. Onboard your team and start operating today
TRUSTED BY LENDING BUSINESSES ACROSS AFRICA
Build and launch any loan product in minutes
Configure loan products your way - set interest rates, repayment schedules, tenors, fees, and eligibility rules without writing a single line of code.
Disburse funds instantly with full control and visibility
Approve and disburse loans directly to borrower accounts in seconds. Every disbursement is logged with a complete audit trail you can trust.
Manage your team with role based access
Onboard your entire lending team in minutes. Assign roles (Admin, Loan Officer, Accountant, and more) to ensure every team member sees and does only what they should. Every action is logged for full accountability.
See your entire loan portfolio in real time
Make smarter lending decisions with live dashboards and detailed portfolio analytics. Monitor disbursements, track repayments, and generate reports all from one screen.
How It Works
Sign up with work email
Create your organisation account in under 5 minutes. No technical setup or developer needed, just your business name and email to get started.
Invite your team
Add your loan officers, accountants, and admins by email. Assign each person a role and they're ready to go, instantly.
Configure your loan product
Set up your loan types, interest rates, tenors, and eligibility rules. No code, no consultants, just a simple setup flow that takes minutes.
Start disbursing loans
Receive applications, process approvals, and disburse funds directly to borrower accounts.
Pricing
Starter
For early-stage lenders just getting off the ground.
Growth
For growing lending businesses scaling their portfolio.
Enterprise
For large institutions with advanced compliance and volume needs.
Testimonials
We moved from spreadsheets to a fully operational loan system in one day. The setup is incredibly smooth and our team picked it up with minimal training.
Eugenia
Credit Matters
Caltos gave us the control we were missing. Approvals, disbursements, repayment tracking — it's all in one place and it actually works
Cynthia
MyStash
As a full-fledged lending company, we needed something flexible enough for multiple loan products and simple enough for non-technical staff. Caltos delivered both.
Gbolahan
Princeps Credit Systems limited
Yes. Caltos allows you to create and manage unlimited loan products simultaneously. Each product can have its own interest rate, tenor, repayment schedule, fees, and eligibility criteria, fully independent of one another.
Yes. You have full control over the rate structure (flat, percentage, minimum and maximum values etc.), repayment frequency, tenure, and any applicable fees for each product you create. No restrictions imposed by the platform.
Yes, you can update product details for new applicants at any time. For borrowers already on an active loan, existing terms remain protected unless you explicitly apply a restructure, which is also supported within the platform.
Caltos integrates with leading Nigerian payment providers for disbursements (Monnify, Paystack, Giro etc.) and deduction/recovery platforms (Remita, WACS, Dedukt, Mono). Additional integrations are available on enterprise plans.
Most lending businesses are fully set up and disbursing loans within the same day they sign up. No developers or technical expertise required.
Yes. Caltos was built for any organisation that lends money; microfinance institutions, cooperatives, salary-based lenders, corporate loan schemes, SACCOs, and consumer finance companies.
Join hundreds of lending teams across Africa already using Caltos to manage their entire loan lifecycle from application to repayment.
