High-Precision Loan Origination & Guarantor Security
Eliminate bad debts, manual spreadsheet interest miscalculations, and member fallout. ChamaFlow automatically locks guarantor savings collateral and enforces scheduled amortized collections.
Dual Interest Math
Supports both Reducing Balance (declining principal) and Flat-Rate models. Precision calculated to the exact cent.
Guarantor Collateral Lock
Guarantors approve pledges via their mobile phone. Pledged savings are frozen automatically until the loan balance is cleared.
Amortization Breakdown
View complete monthly schedule of principal, interest, penalty grace periods, and due dates. Dynamic adjustments for early payoffs.
PAR Delinquency Scoring
Monitor Portfolio at Risk across PAR 30, PAR 60, and PAR 90+ delinquency buckets with automatic late penalty levies.
KES 200,000 Development Loan (12% Reducing)
| Month | Principal Due | Interest | Total Installment | Status |
|---|---|---|---|---|
| Month 1 | KES 16,667 | KES 2,000 | KES 18,667 | Paid M-Pesa |
| Month 2 | KES 16,667 | KES 1,833 | KES 18,500 | Paid M-Pesa |
| Month 3 | KES 16,667 | KES 1,667 | KES 18,334 | Paid M-Pesa |
Test the Loan Engine with Real Scenarios
Approve loan requests, inspect guarantor pledges, and disburse capital in our interactive sandbox without risking live funds.