SmartEdge Finance – The Complete Loan Management Software 

Managing loans, tracking repayments, and handling customer data manually is time-consuming and error-prone. Step into the future with SmartEdge Finance— the all-in-one Loan Management System that automates and streamlines your entire loan lifecycle from application to closure.

Whether you run a microfinance institution, credit union, cooperative society, or a money lending business, SmartEdge Finance gives you full control, efficiency, and accuracy—all in one smart dashboard.

🌟 Why SmartEdge Finance?

Because loan management shouldn’t be complicated. With SmartEdge Finance, you can manage borrowers, automate collections, track interest, and generate financial reports—fast, securely, and with ease.

⚙️ Key Features of SmartEdge Finance

📝 1. Loan Application & Approval Workflow

• Digital loan application forms (online or in-branch)

• Custom approval stages: screening, appraisal, guarantor validation

• Attach documents: ID, bank statements, 

• Application tracking and automated notifications

💳 2. Flexible Loan Products

• Create unlimited loan products with custom interest rates, fees, and durations

• Supports flat, reducing balance, daily/weekly/monthly repayment models

• Grace period, penalty fees, top-up and rollover options

• Schedule auto-generation for repayments and disbursement

👨‍💼 3. Customer & Guarantor Management

• 360° borrower profiles with KYC, credit score, and loan history

• Attach multiple guarantors SmartEdge Loansys

• SMS/email reminders to borrowers and guarantors

💵 4. Loan Disbursement & Repayment Tracking

• Disburse via bank transfer, mobile money, or cash

• Automatic repayment schedule with due dates and amounts

• Real-time tracking of repayments, arrears, and outstanding balances

• Early payment, partial payment, and penalty calculations

📆 5. Collections Management

• Auto-generate collection lists by agent, route, or zone

• Record field collections via mobile app (even offline)

• Assign collection agents and track performance

• Send automated reminders before and after due dates

📊 6. Reporting & Analytics

• Real-time reports: disbursed loans, due repayments, overdue amounts

• Portfolio at Risk (PAR) and aging reports

• Profitability, interest earned, and performance dashboards

• Export reports in Excel, PDF, or integrate with accounting tools

🧾 7. Accounting & Financial Integration

• Auto-record interest income, fees, and repayments

• Chart of accounts and general ledger support

• Generate financial statements (Income, Balance Sheet)

🔐 8. Security & Compliance

• Role-based user access and permissions

• Audit trails and transaction logs

• Encrypted data storage and cloud backup

• Compliant with data privacy and financial regulations (GDPR, CBN guidelines, etc.)

📱 9. Mobile App for Field Agents (Optional)

• Agents can register clients, disburse loans, and record repayments

• GPS-tagged visits and collections

• Real-time communication with HQ

🌍 10. Self-Service Portal for Clients 

• Borrowers can apply for loans, track balances, and download statements

• View repayment schedule and payment history

• Make payments online via integrated payment gateway

• Available on web and mobile

🏦 Perfect For:

• Microfinance Institutions (MFIs)

• Savings & Credit Cooperatives (SACCOs)

• Mortgage & Asset Financing Companies

• Payroll Lending & Buy-Now-Pay-Later (BNPL) Firms

🚀 Get Started with SmartEdge Finance Today!

✅ Demo & Consultation
✅ Cloud or On-Premise Deployment
✅ Full Training & Onboarding Support
✅ Mobile App for Admins & Agents

🌐 Visit: p6.smartedge.com.ng
📧 Email: info@smartedge.com.ng | 📞 Call: +234 906 501 0201

For demo,log on to: finance.smartedge.com.ng

Username: demo@smartedge.com.ng       Password:demo@123