🔄 Top up loans without starting from scratch

Hello there! 👋

It’s July. New month, new quarter, and a new half year. A good point to step back, refocus, and pick up the pace.

Whether the last quarter felt like a mad dash or a lazy stroll, the next six months will decide how the year closes.

Maybe you need to tighten your credit strategy, sort out collections, or scale without tripping over your own feet.

We’ve pulled together updates and tools to help you lend smarter, cut risk, and grow for the long run.

Let’s get to it. 🚀

What’s New

✅ Settle or close a loan, no stress

Ever had a customer surprise you by paying off a big chunk of their loan early? It’s a great moment, but sometimes closing out the loan can get a bit tricky, especially when you need to adjust interest or waive some of it to keep things fair.

Now, we’ve made that part effortless too. When someone makes a lump sum early repayment, you can settle or close the loan right away from your admin dashboard, including any interest waivers that come with it. So next time a customer pays early, you’re all set to wrap things up fairly and quickly.

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📄 Make savings products feel more official

Ever had a customer ask, “Where’s the investment certificate for this savings plan?” Now, you’ve got an answer, and a solid one.

You can now add investment certificates to savings products, not just loans. That means when your customers create a savings plan, they can see all the terms upfront, review everything, and sign off with confidence.

Even better? Once they accept, they get the signed offer letter in their email, ready to download anytime they need it just like for proof of funds or just peace of mind. No more confusion. Just clarity from day one.

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🔄 Top up loans without starting from scratch

Picture this: a loyal customer is halfway through their loan term but needs a little more cash to sort things out. Instead of making them reapply from scratch, paperwork and all, you can now just refinance their loan.

Top it up with the extra amount they need  and either stick with the same terms or agree on new ones. The process stays smooth, and your customer feels supported, not stressed.

It’s less hassle for everyone, and it keeps good borrowers within your ecosystem.

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🏢 See performance branch by branch

If you manage multiple branches, you know how messy it can get when everything blends together. Now, that’s changed.

You can filter key admin pages like customer profiles, loans, disbursements, loan requests, and transactions by branch.

This means cleaner reporting, quicker reviews, and better insights. Want to know which branch is outperforming others? Need to troubleshoot an issue at one location? Now you’ve got full visibility, without the guesswork.

What’s Better?

🧭 Guide your customers when adding payment methods

Let’s face it,  not every customer has a ready-to-go payment method when trying to save or apply for a loan. Sometimes, they need a little direction.

Now, you can add your own custom instructions right where they’re adding payment methods. Include helpful tips, direct CTAs, or even links to contact support or get alternative options.

Whether it’s “Don’t have a card? Tap here to chat with us” or “Need help with your Direct Debit mandate setup? See our guide,” you’re making it easier for customers to complete the journey and trust you more in the process.

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🔍 Verify more customer data — right from the admin console

Need a clearer picture of who your customers are? You’ve now got deeper visibility.

From your admin console, you can now run checks against Nigeria’s major credit bureaus:  CRC, CreditRegistry, and First Central, our blacklist engine, Karma and also verify things like email, phone numbers, SIM swaps, SIM activations, and even SIM recycling history.

It’s all there, helping you assess creditworthiness, reduce fraud, and make smarter lending decisions without switching tabs.

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⚖️ More control over how you apply fees

Say a customer requests a ₦100,000 loan but ₦20,000 of that is their equity contribution. Should your fees apply to ₦100,000 or just the ₦80,000 loan portion?

Now, you decide.
With new fee configuration options, you can choose whether to apply fees on the requested amount (which includes equity) or just on the actual principal.

It’s flexible, it’s fair, and it’s built to match how you structure your loan products.

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What’s Cooking?

🍳 Design your own forms — no code, no stress

Remember when editing forms meant diving into JSON files or contacting us for help? Yeah, not the smoothest experience.

Well, that’s changing. Soon, you’ll be able to design and customize your customer-facing forms using a simple drag-and-drop builder right from your admin console.

Want to collect a BVN? Just drag the field in. Need to reorder sections or add a disclaimer? Done in seconds.
No coding. No delays. Just full control over how your forms look and work.

📤 Export more data, faster — straight to your inbox

Need to analyze loan trends or pull customer data across a specific timeframe but can’t find it in your current export options?

We’ve got you. We’re making big improvements to data export on the admin console. You’ll soon be able to request large, detailed datasets that previously weren’t available and they’ll be delivered straight to your email with everything you asked for.

No more hitting limits or downloading in pieces. Just click, wait a bit, and your data lands in your inbox, clean and complete.

For more information about these features and updates, view our changelog or to schedule a consultation on navigating them, please reach out to us at [email protected] and we’ll be more than happy to help. Remember, your satisfaction fuels our commitment to excellence.