The Complete Core
Banking SystemBuilt for |
Loanspur CBS v2.0 — A powerful, modern banking platform with M-Pesa integration, real-time reconciliation, and AI-powered analytics. Transform your operations today.
250K+ clients managed daily
“Loanspur transformed our operations — loan processing went from 5 days to just 2 hours.”
Sarah K. — CEO, Umoja Microfinance
Institutions Served
Active Clients
Portfolio Managed
Uptime Guarantee
Join our team
Internships, certification & freelance opportunities
Apply for the LoanSpur Talent Program — progress through a 5-level certification ladder and get hired as an employee or freelancer after approval.
Bank-Grade Security
99.9% Uptime
24/7 Support
Fully Compliant
Designed Specifically For
Built for the unique needs of your institution type
Approved Digital Lenders
Complete digital lending operations
Microfinance Institutions
Comprehensive loan and savings management
SACCOs
Member management and financial services
CBOs
Community-focused financial solutions
Table Banking
Group-based savings and lending
Self Help Groups
Collaborative financial management
Finance smartphones with built-in asset protection
Originate phone loans end-to-end — from catalog and IMEI tracking to vendor fulfillment — then let Device Guard automatically lock on default and unlock on payment without manual intervention.
Lock on default
Automatic remote lock when arrears threshold is met
When a borrower falls behind on repayments beyond the days you configure in your default policy ladder, Device Guard remotely locks the financed phone. The lock fires automatically via a scheduled executor — no collections officer needs to trigger it manually. Borrowers are notified by SMS before the lock date so they have a chance to pay first.
- Configurable arrears ladder — set your own lock threshold (e.g. 7 days notify, 21 days lock)
- Scheduled lock at enrollment time-of-day — borrower-friendly, not midnight surprises
- Limited-app overlay while locked — M-Pesa and client portal still work so borrowers can pay
- Vendor portal tracks enrollment and lock status per IMEI
- Full audit trail: every lock, unlock, and release is logged for compliance
Unlock on payment
Instant restore when arrears are cleared
The moment a repayment posts and clears overdue arrears, Device Guard unlocks the phone automatically — typically within minutes. Borrowers can pay via M-Pesa STK push or the client portal even while the device is locked, because those apps remain accessible in the lock overlay. When the loan is fully settled, Device Guard is completely removed.
- Automatic unlock when repayment clears overdue arrears — no staff action needed
- Hooks into M-Pesa STK push, cash, and bank payments as they post to the loan
- Manual unlock override for staff with the right permissions
- Borrower SMS confirmation when the device is unlocked
- Complete agent removal on loan settlement — phone is fully theirs
Device states at a glance
End-to-end lifecycle
Client selects a phone from your catalog or vendor stock. IMEI is registered, deposit collected, and the loan is linked to the exact device serial.
Dealer scans an enrollment QR to install Device Guard. Borrower gives express consent — date, time, and location are recorded for audit.
Daily arrears checks run against your default policy ladder. SMS reminders go out before any lock is triggered.
When days-in-arrears hit your configured threshold, the phone is remotely locked — automatically, with no manual follow-up.
As soon as a payment clears overdue arrears, the device unlocks automatically. M-Pesa and the client app stay available even while locked.
When the loan is fully paid, Device Guard is removed from the phone. The borrower owns it outright — no restrictions.
Everything else built in — not bolted on
Ready to launch a phone loan product with automated lock and unlock? Our team will walk you through catalog setup, vendor onboarding, and Device Guard enrollment.
Powerful Features
Everything you need to run your financial institution
Smart Device Financing
Phone loans with IMEI tracking, vendor fulfillment, and Device Guard lock-on-default / unlock-on-payment
Client Management
Complete client lifecycle management with self-service portal
Loan Management
End-to-end loan processing with automated guarantor management
Savings & Deposits
Comprehensive account management for all account types
Real-Time Reconciliation
Automated bank, M-Pesa, and cash reconciliation
Employee KPI Tracking
Real-time performance monitoring and analytics
Payment Integration
M-Pesa, Banks, USSD - all payment methods supported
Automated Notifications
SMS, Email, and In-App notifications
Analytics & Reporting
Real-time dashboards and comprehensive reporting
Mobile Responsive
Full functionality on any device, anywhere
What Makes Us Different
Advanced features that set Loanspur CBS v2.0 apart
Robust Group Management
Complete group lending functionality with member tracking, group savings, meeting schedules, and group-based loan disbursement and repayment collection.
Smart Device Financing
End-to-end smartphone lending with IMEI catalog, vendor portal, and Device Guard. Phones lock automatically on default and unlock the moment arrears are cleared — no manual follow-up.
Vendor Management
Comprehensive vendor portal for asset financing partnerships. Manage vendor relationships, track inventory supply, and automate vendor payments.
Role-Based M-Pesa Disbursement
Secure multi-level approval workflow for M-Pesa disbursements. Role-based authorization ensures proper oversight with real-time disbursement tracking.
Complete Teller Management
Full-featured teller module with cash drawer management, transaction limits, end-of-day reconciliation, and supervisor overrides for branch operations.
Advanced Security & RBAC
Bank-grade security with granular role-based access control. Define custom roles, permissions, and approval hierarchies for complete operational control.
Your Brand, Our Technology
Launch your own branded core banking system powered by Loanspur CBS v2.0. We provide complete white-label solutions for organizations looking to offer financial services under their own brand identity.
- Custom Branding: Your logo, colors, and domain
- Full Feature Access: All CBS features included
- Dedicated Infrastructure: Isolated environment for your data
- Technical Support: Ongoing maintenance and updates
- Custom Integrations: M-Pesa, Banks, and third-party APIs
Request White Label Partnership
Interested in launching your own branded financial platform? Send us your details and our team will reach out to discuss how we can white-label Loanspur CBS for your organization.
Or email us directly at [email protected]
What Our Clients Say
"Loanspur CBS v2.0 has completely transformed our operations. The real-time reconciliation saves us 15 hours per week, and loan processing time reduced from 5 days to just 2 days."
Sarah, CEO
Umoja Microfinance
60% faster processing, 40% performance improvement
"The automated guarantor management and M-Pesa integration mean our members can make payments 24/7. Real-time reconciliation gives us confidence in our financial reporting."
Kitutu, Operations Manager
Dembs SACCO
5,000+ members, 80% reduction in reconciliation time
"The USSD integration allows our clients to access services even without smartphones. Automated notifications keep clients informed, reducing inquiries by 50%."
Dr. Hassan, Founder
Realtime Digital Lending
90% USSD usage, 3x faster approvals
Ready to Transform Your Financial Institution?
Join hundreds of institutions already using Loanspur CBS v2.0