Automated Lending Platform

Transform Your Lending Business

Our intelligent loan management platform automates credit decisions, processes applications in seconds, and connects to Kenya's top financial infrastructure.

Instant approvals

Under 60 seconds

Bank-grade security

End-to-end encryption

Reach millions

M-PESA & mobile first

Reduce defaults

By up to 40%

9:41
5G
Messages
M
M-PESA12:04 PM

Confirmed. You have received Ksh6,000.00 from SERGIOS M-PESA PAYMENTS 5186899 on 6/11/25 at 12:04 PM. New M-PESA balance is Ksh11,258.19.

S
Safaricom10:30 AM

Your airtime bundle has been activated. Valid until 30/11/25.

B
Bank Alerts9:15 AM

Account alert: Your savings account earned Ksh120 interest.

K
KRA8:00 AM

Tax filing deadline is on 30/11/25. File your returns now.

Loan Products

Sergios LMS: Complete Loan Management System

Empower your financial institution with an automated, boundary-free Loan Management System.

< 60 sec

Digital Instant Loans

Fully automated mobile lending with AI-driven credit decisions, instant approvals, and real-time disbursements directly to customer accounts.

No paperwork required
Approval in under 60 seconds
24/7 availability
Dynamic credit limits
Zero Default

Salary/Check-Off Loans

Employee-based lending with automated payroll deductions, employer integration, and guaranteed repayment through salary processing.

Employer portal access
Automated deductions
Bulk processing
Lower default rates
100% Secured

Secured & Asset Loans

Collateral-backed lending with comprehensive asset tracking, valuation management, and automated collateral monitoring systems.

Asset registry integration
Digital collateral tracking
Higher loan limits
Flexible repayment

Customer Management

360-degree customer profiles with complete borrowing history, documents, and interaction tracking

Loan Origination

End-to-end application processing with customizable workflows and approval hierarchies

Automated Collections

Smart reminder systems, payment tracking, and automated escalation processes

Advanced Analytics

Real-time dashboards, portfolio insights, and predictive risk modeling

Digital KYC

Biometric verification, document scanning, and automated identity validation

Compliance Engine

Built-in regulatory compliance, audit trails, and automated reporting

Integration Ecosystem

Powerful Integrations. Zero Friction.

Pre-built connections to Kenya's leading financial, government, and payment systems.

Real-time CRB

Metropol CRB

Comprehensive credit bureau integration providing instant access to borrower credit history, payment patterns, and risk indicators.

Credit scores • Payment history • Multi-bureau support
100% Accurate

KRA PIN Verification

Real-time validation of Kenya Revenue Authority PIN numbers ensuring borrower authenticity and tax compliance verification.

Instant validation • Tax compliance • Identity verification
Gov Verified

IPRS Integration

Direct connection to Integrated Population Registration Services for government-verified identity confirmation and background checks.

ID verification • Biometric matching • Population data
Zero Risk

OFAC Sanctions Screening

Automated screening against global sanctions lists for regulatory compliance and risk mitigation in financial transactions.

Real-time screening • Global watchlists • Compliance reports
94% Accuracy

SpinCrunch Credit Scoring

Advanced AI-powered credit scoring engine leveraging alternative data sources for accurate borrower risk assessment.

AI algorithms • Alternative data • Predictive analytics
Instant Sync

Multi-Channel Payments

Seamless integration with M-Pesa, Airtel Money, Pesalink, and RTGS for instant disbursements and automated reconciliation.

Real-time processing • Auto-reconciliation • Multi-provider