Built for Kenyan MFIs
One platform for your branches, your team, and your members.
Your loan officers are drowning in paperwork.
Your borrowers have no idea what they owe.
CredifyOS fixes both.
One platform for loan applications, approvals, repayment tracking, and member management — built for how microfinance institutions in Kenya actually operate. Starting at KES 8,000 per month.
Used by microfinance institutions in Kenya · No long contracts · Onboarding in days, not months
The Problem
Running an MFI on spreadsheets is costing you more than you think.
Every morning, your loan officers open Excel and start guessing. Loan applications are chased by phone. Approvals wait for someone to be in the office. Repayment reminders are sent manually — if they’re sent at all. And when a borrower defaults, you find out weeks after it happened.
Meanwhile, your borrowers are checking their M-Pesa balance ten times a day. They want to know what they owe, what’s overdue, and when their next loan will be approved — without calling your branch.
The gap between what your borrowers expect and what your systems can deliver is getting wider every month.
Your Painpoints
- Loan applications that take days to process, not hours
- No real-time view of your loan portfolio or default risk
- Borrowers who can’t check their own loan balance without calling in
- Repayment reminders sent manually — or not at all
- SASRA reports compiled from scattered spreadsheets the night before they’re due
- Field officers carrying paper forms and returning to the office to enter data
CredifyOS connects every part of your loan operation into one platform. Loan applications flow from field to approval in hours. Repayments are tracked automatically.
Your portfolio is visible in real time. And your borrowers can check their loan status, make payments, and apply for new loans from their phone — without ever visiting a branch.
No engineering team required. No months-long implementation. No per-seat pricing that punishes growth.
For your management team
No engineering team required. No months-long implementation. No per-seat pricing that punishes growth.
For your loan officers
Process applications, verify borrowers, and submit for approval from the web dashboard or in the field — without coming back to the office to enter data.
For your borrowers
A mobile app that shows their active loans, outstanding balances, repayment schedules, and lets them pay via M-Pesa in seconds.
01
Loan approvals in hours, not days.
CredifyOS routes every loan application through a structured digital workflow — from submission by a BDO, through eligibility review, to multi-stage approval and disbursement via M-Pesa. Every step is tracked.
02
Real-Time Portfolio Dashboard
Every loan in your institution — active, overdue, disbursed, pending — is visible in a live dashboard. See performance by branch, by product, and by officer. Reports take minutes to compile and generate.
03
Member Mobile App
Give your members the app they’ve been waiting for.
CredifyOS gives members a mobile app to do exactly that — active loans, outstanding balances, repayment schedules, and one-tap M-Pesa payments, all in one place.
We believe financial clarity comes from turning complex numbers into practical strategies. Our approach helps you move quickly, stay aligned, and uncover opportunities before they arise.
Smarter Decisions, Faster
Turn complex numbers into clear strategies. Access actionable insights that help you make confident business moves without hesitation.
Growth That Stays on Course
Track performance against your goals in real time. Keep every department aligned and ensure your company grows with purpose.
Opportunities Before They Surface
Uncover market shifts and financial signals early. Stay ahead of risks and seize advantages before your competitors even notice.
04
50% time reduction on admin.
The right access for every role. Full control for leadership.
Hand them a dashboard built around what they actually do — create members, process a loan, check their portfolio, pull a branch report – while on the move realtime.
05
Everyone sees what they need. Nobody sees what they shouldn’t.
The right access for every role. Full control for leadership.
Your admin configures branches, loan products, and users. Your Operations Manager tracks portfolio performance and pulls reports. . Every action is logged, every role is controlled.
06
M-Pesa Native Integration
M-Pesa is how Kenya moves money. CredifyOS is built around it.
Disbursements go out via M-Pesa, bank transfer, or cheque — from the same platform. Repayments come in and are recorded automatically. No manual reconciliation at month end. No chasing statements from a bank intermediary.
Your institution is growing. Your members want digital. Your team is drowning in paperwork. CredifyOS gives every Kenyan MFI the infrastructure to run faster, serve better, and scale without limits — live in under 7 days.
Value created
95%
Kenyan MFIs Not Yet Fully Digitised
Meet your members where they are
98.9%
% of Members Prefer Digital Channels
See risk before it costs you.
51%
Group Loan Members Are at Default Risk
(Pricing)
Simple pricing. No surprises.
Chama
Single-branch MFIs managing up to 200 active loans
Kes 8000
/month
Plan Includes:
- Admin web dashboard
- BDO / Branch Manager dashboard
- Member mobile app (Android)
- Loan application and approval workflow
- M-Pesa disbursement and repayment tracking
- Live loan portfolio analytics
- Report generation and download
- Role-based user management
- Unlimited branches and member groups
- Email support
Self-serve onboarding included free. Optional guided onboarding available for KES 7,500 (one-time).
Pro
Popular
Multi-branch MFIs managing up to 1,000 active loans
Kes 25,000
/month
Plan Includes:
Everything in Starter, plus:
- Operations Manager dashboard
- Advanced analytics — portfolio trends, default risk, officer performance
- Priority email and phone support
- Free professional onboarding (KES 7,500 value, included)
- Early access to new features
Enterprise
Large MFIs, SACCO networks, and institutions wanting a whitelabelled platform.
KES 50,000
/month
Plan Includes:
Everything in Pro, plus:
- Whitelabel option — your brand, your domain, your app store listing
- Dedicated environment — your data only
- Custom feature development
- API access for integrations
- SLA-backed uptime guarantee
- Dedicated implementation support
*All plans billed monthly. Annual billing available on request. Prices exclude VAT. No long-term contracts required on Starter or Pro.
(What Our Customers Say)
MFIs across Kenya are already running on CredifyOS.
“Switching to Tether streamlined our operations overnight. Meetings are shorter, tasks are clearer, and our team finally feels aligned around the same goals.”
Sophia Reynolds
Head of Operations at Brightwave
“Switching to Tether streamlined our operations overnight. Meetings are shorter, tasks are clearer, and our team finally feels aligned around the same goals.”
Marcus Bennett
Director of Marketing
“Switching to Tether streamlined our operations overnight. Meetings are shorter, tasks are clearer, and our team finally feels aligned around the same goals.”
Christopher Johnson
Team Lead, Horizon
“Before Tether, onboarding new hires was a headache. Now, training modules are automated, progress is tracked in real time, and new team members feel productive within days instead of weeks.”
Ethan Ramirez
Director of IT
Frequently Asked Questions
How long does it take to get set up on CredifyOS?
Most MFIs are live within 3–5 business days on the Starter plan. Pro customers get professional onboarding included — your team is guided through setup, data migration, and training. We’ve built the onboarding process around institutions that don’t have IT departments.
Do my members need to download a separate app?
Yes — the CredifyOS member app is available on Android (iOS coming soon). Your members download it once, log in with their member ID, and have instant access to their loans, balances, and repayment history. Most members are active within minutes of receiving their login.
Can CredifyOS handle all our loan product types?
Yes. CredifyOS supports individual loans, group loans, asset finance, salary advance, and emergency loan products. Loan products are fully configurable — interest rates, repayment schedules, eligibility criteria, and approval workflows are set by your admin team.
Is CredifyOS compliant with SASRA requirements?
CredifyOS generates the audit trails, role-based access logs, and operational reports that SASRA-regulated institutions are required to maintain. Report generation is built into the platform — no manual compilation required.
What happens to our data if we leave?
Your data is yours. If you decide to leave CredifyOS, we provide a full export of all your member records, loan data, and transaction history in standard formats. No data is held hostage.
What support do you offer?
Starter plans include email support with a 24-hour response time. Pro plans include priority email and phone support. Enterprise customers have a dedicated account manager. All plans include access to our documentation and video guides.
Can we migrate from our current system (spreadsheets, etc.)?
Yes. Our onboarding team handles data migration from spreadsheets and most existing platforms. We’ll map your existing loan records, member data, and transaction history to CredifyOS before you go live — so nothing is lost in the switch.
Is there a free trial?
We don’t offer a self-serve free trial, but we do offer a live demo tailored to your institution’s size and loan product mix. Book a demo and we’ll show you exactly how CredifyOS would work for your specific operation — with real data, not a generic walkthrough.
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