Loan Origination

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.

Salary advance

Short term loans repaid on next payday

Business loans

Short term loans repaid on next payday

Group Lending

Short term loans repaid on next payday

Create custom

Build lending products tailored to your business

Loan origination

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.

  • Create unlimited loan product types
  • Set custom interest rates, tenors, and fee
  • Define eligibility criteria per product
  • Go live instantly —no developer required
loan originator

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.