Your whole lending fund,
properly on the books.

RT Loans runs microfinance funds, SACCOs, church and community funds end to end: members, loans, repayments with SMS reminders, branches and reports - with real double-entry books, a trial balance and financial statements underneath. No spreadsheets, no accounting setup.

Create your fund - free for 30 days Talk to us Get it onGoogle Play

Full product for 30 days. No card needed to start. Your team can run the fund from the Android app.

Three tiles from the RT Loans dashboard: amount on loan, interest earned, and overdue loans at zero of seven active — Straight off a fund's dashboard: what is out on loan, what it has earned, and what is overdue.

Everything a lending operation needs

Built for how funds in Zimbabwe and South Africa actually run - low data, works on the phones and laptops you already own, in your own currency.

Originate and disburse

Loan products with your own rates, fees and approval rules - including committee approvals with maker-checker. Offer letters signed by OTP code or a wet signature uploaded. Disburse when you say so, not before.

Collections that chase themselves

Automatic SMS and email reminders before and after due dates, a follow-up ladder for overdue loans, penalties applied by your product rules, and settlement quotes that always match the books.

Branches and cash

Head office and branches with their own tills, cash movements between them, and performance by branch and by loan officer.

Members, savings and contributions

Member records with KYC, monthly contributions with reminders, and member-savings funds where contributions build each member's share balance and passbook.

Reports your board will read

Arrears ageing and portfolio-at-risk, provisioning by band, interest income, loan book, member statements - on screen, or downloaded as PDF, Excel and CSV in one workbook.

An app for your team

Officers, approvers and the treasurer run the fund from their phones in the RT Loans mobile app: originate, approve, record repayments, and get a push the moment an offer is signed or a loan needs approval. Borrowers hear from you by SMS and email, and can check a balance over USSD where the fund switches it on. Get it on Google Play.

Books an auditor can lean on

Most loan software stops at tracking. RT Loans keeps a full double-entry general ledger underneath everything - automatically, with zero setup.

Every transaction posts balanced journals the moment it happens - disbursements, repayments, penalties, till movements. Nothing to configure.
Trial balance and financial statements on an accrual basis: interest receivable and the loan-loss allowance are on the balance sheet, and member savings show as money owed to members, not fund equity.
Year-end close and period locking, with an append-only audit trail - corrections are reversal journals, never edits.
Accountant exports: trial balance, general ledger and journal - including a Xero-ready import file.
Checked nightly. The books are audited against the cash ledger and loan book every night; we know they balance before you ask.

The RT Loans trial balance: every account with debit and credit columns, grouped with subtotals, and totals that agree — The trial balance: debits equal credits, always.

Pricing that scales with your book

40c per active loan, per month, for your first 50

Then 20c per loan up to 500, 15c up to 2,000, 12c up to 5,000 and 10c beyond, with a $10 monthly minimum. Each rate applies only to the loans in its range, so your bill never jumps as you grow: a fund with 100 active loans pays $30 a month, one with 3,000 pays $455, itemised on the invoice. Unlimited users, no setup fee. Start free for 30 days with the full product on your own loan book.

Start free

Run by people who run things

Nightly backups, monitoring and alerts - if something breaks at 2am we know before you do. Your data is yours: full exports, any time. And a help centre that answers the question your treasurer will actually ask.