The operatingsystem for Zambianlenders.
From application to disbursement — one decisive workflow. Multi-branch governance, automated appraisals, and portfolio telemetry built for Zambia's financial institutions.
Applicant
Mwansa Trading Co.
SME · Wholesale & retail
Requested
ZMW 485,000
36 mo · 18.5% APR · collateral verified
Recommendation
Approve · low risk
Approvals
+47% this qtr
Disbursed
ZMW 4.2M today
Trusted across Zambia's financial sector
0+
Total Loans Processed
0+
Active Borrowers
0%
On-time Repayment Rate
ZMW 0.0B
Portfolio Value
Everything you need to manage loans
From application to disbursement, our platform covers every stage of the loan lifecycle with powerful, intuitive tools.
Loan Application Management
Multi-step digital applications with document uploads, validation, and automated credit pre-checks.
Real-time Portfolio Analytics
Live dashboards with sectoral breakdowns, portfolio health scores, and trend visualizations.
Automated Risk Assessment
AI-powered credit scoring with collateral evaluation, financial ratio analysis, and risk grading.
Multi-Branch Support
Manage multiple branches with role-based access, per-branch reporting, and centralized governance.
Workflow Automation
Configurable approval workflows with step-by-step tracking, notifications, and SLA monitoring.
Document Management
Secure document storage, version control, and compliance-ready audit trails for every application.
Three steps to faster lending
Our streamlined process reduces loan approval time from weeks to days, helping you serve more customers efficiently.
Apply Online
Borrowers submit digital applications with supporting documents through our secure portal — accessible from any device.
Appraisal & Review
Analysts conduct automated risk assessments, collateral evaluations, and financial scoring with full audit trails.
Approval & Disbursement
Approved loans are disbursed directly to borrower accounts with real-time confirmation and repayment scheduling.
Built with — and for — Zambia's lenders
What credit, ops, and risk leaders say after switching to CreditPulse.
“We cut average loan-approval time from 9 days to under 4. The automated appraisal alone paid for the platform in the first quarter.”
Chibesa Mulenga
Head of Credit · Tier-1 commercial bank
“Multi-branch governance was the unlock. Our 12 branches now run on the same workflow, with a single auditable trail. Compliance reviews dropped by half.”
Tasila Phiri
Operations Director · Microfinance group
“Real-time portfolio dashboards mean our risk team sees deterioration the day it happens — not at month-end. NPLs are down 0.4 points YoY.”
Bwalya Sakala
Chief Risk Officer · SACCO union
Simple, transparent pricing
Start free, scale when ready. All plans include a complete LMS feature set — upgrade for more capacity and advanced tools.
All prices in ZMW · VAT may apply · Enterprise pricing by contract
What's in every tier
Starter
Premium
Enterprise
| Feature | Starter | PremiumPOPULAR | Enterprise |
|---|---|---|---|
| Loan applications | Up to 500/mo | Unlimited | Unlimited |
| Active loans | 1,000 | 10,000 | Unlimited |
| Users | 5 | 25 | Unlimited |
| Branches | 1 | 10 | Unlimited |
| Real-time analytics | |||
| Automated risk scoring | |||
| Workflow automation | |||
| Multi-branch consolidation | |||
| Custom approval workflows | |||
| API access | |||
| Dedicated success manager | |||
| Custom SLA & uptime | |||
| On-premise deployment |
Answers, before you ask
Yes. The platform is built around BoZ-aligned audit trails, KYC/AML checks, and reporting templates that map to current regulatory submissions. All data residency and retention policies are configurable per institution.
Still have questions? Talk to our team →
Ready to transform your loan portfolio?
Join Zambia's leading financial institutions already using CreditPulse to serve borrowers faster and smarter.
No setup fees · Free trial · Cancel anytime