Disbursement

Disburse funds instantly with full control

Approve and disburse loans to borrower account in seconds. Every transaction is logged with a full audit trail your team can trust

5 seconds

Avg. disbursement time

90+ banks

Supported banks

99.9%

Uptime SLA

Disbursement

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.

  • Integrate with Monnify, Paystack, and other payment providers for disbursement
  • Set disbursement limits and permission levels per user
  • Configure approval workflows
  • Maintain complete visibility with detailed audits
disbursement

Features

Instant transfers

NIP-powered payouts hit borrower accounts in under 10 seconds

Approval workflows

Set single or multi-level approval before any funds leave

Audit trail

Every disbursement action is logged with timestamps and actors

Frequently Asked Questions

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.

Ready to run your lending business the smart way?

Join hundreds of lending teams across Africa already using Caltos to manage their entire loan lifecycle from application to repayment.