Fintech & Microcredit ERP

FINANCE 365 Microfinance ERP

Smart, secure, and scalable financial management platform engineered for microfinance institutions, credit cooperatives, and rural lending organizations.

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Financial Automation

Streamline Loans, KYC & Daily Field Collections

Our Micro Finance Management System is designed to streamline loan operations, customer management, and financial tracking for micro-finance institutions of any size.

Eliminate paper loan books, arm your field collection officers with mobile receipt printers, automate interest calculation rules, and generate real-time balance sheets with total role-based security.

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Finance 365 Cloud Core Compliant Microcredit Engine

CBSL Ready

Core Capabilities

Engineered for Financial Integrity

Comprehensive suite of modules to manage borrowers, calculate complex repayment schedules, and monitor field collections in real time.

1. Customer & Group Management

Customer and group-based loan management with full lifecycle tracking, biometric verification, and digital KYC documentation.

Individual & solidarity group lending
Digital KYC & guarantor profile records

2. Schedules & Interest Calculations

Automated loan schedules, reducing balance or flat rate interest calculations, and overdue penalty fee rules for absolute precision.

Daily, weekly, bi-weekly & monthly schedules
Automated grace periods & overdue penalties

3. Real-Time EMI Due Alerts

Live EMI tracking with automated due date notifications and overdue alerts displayed across the dashboard and dispatched via SMS.

Automated customer SMS payment reminders
Real-time portfolio default risk indicators

4. Savings & Fixed Deposits

Complete management of client savings accounts, compulsory deposit schemes, and withdrawal vouchers with tamper-proof transaction logs.

Compulsory & voluntary savings ledgers
Interest accrual & maturity payout calculation

5. Field Officer Collection App

Arm mobile field collection agents with Android apps that record repayments offline and print instant thermal Bluetooth receipts.

Offline collection mode with GPS verification
Bluetooth thermal receipt printer integration

6. Automated Financial Reports

Instant reports on loan portfolio status, collection yields, profit & loss, trial balance, and branch rankings with role-based security.

Portfolio aging & PAR (Portfolio at Risk)
One-click export to Excel & PDF

Transparent Pricing

Microfinance Enterprise & Pricing Plan

Full loan portfolio control, field collection app, automated accounting, and regulatory compliance.

Starter Plan

Single office microcredit societies with basic borrower ledgering.

One-Time License

Rs. 350,000

Rs. 10,000 + SMS / Month

Single branch / 2 Users
Up to 300 active loans
Individual & group loan schedules
Counter cash receipt printing
Standard ledger reports

Get Starter

Growth Plan

Active micro-lenders with door-to-door field collection staff.

One-Time License

Rs. 500,000

Rs. 12,000 + SMS / Month

Up to 2 branches / 5 Users
Up to 1,000 active loans
2 Field collector mobile app licenses
Bluetooth thermal receipt printing
SMS installment reminders

Get Growth

Business Plan

Full commercial micro-finance institutions & credit cooperative societies.

One-Time License

Rs. 750,000

Rs. 15,000 + SMS / month / branch

Up to 5 branches / 15 Users
Unlimited loan accounts
6 Field collector mobile apps
PAR (Portfolio at Risk) & audit trail
Priority telephone & remote support

Get Business Plan

Enterprise Plan

Islandwide financial institutions, banking affiliates, and large NGO funds.

One-Time License

Rs. 900,000

Rs. 25,000 + SMS / Month

Unlimited branches & users
Unlimited mobile collection officers
Central Bank (CBSL) audit exports
Dedicated database server hosting
24/7 dedicated support SLA

Get Enterprise

Target Sectors

Ideal for Your Financial Institution

Finance 365 supports lending operations across all tiers:

Microfinance Companies (MFIs) Manage microloans, field recovery officers, and branch portfolios.

Cooperative Societies (Sanasa / Thrift) Handle member deposits, dividend distributions, and low-interest loans.

Rural Financial Institutions & NGOs Agricultural seasonal credit, women entrepreneur funds, and microcredit.

Institutional Consultation

Get Started with Finance 365

Discover how Finance 365 streamlines loan accounting and eliminates collection discrepancies.

Financial Engineering & Compliance

Frequently Asked Questions About Finance 365

Practical answers regarding loan lifecycle, field collections, cooperative management, and audit integrity.

How does the mobile field collection app operate in remote areas with poor internet?

Finance 365 features a robust offline-first architecture. Field recovery officers can collect daily or weekly microloan installments, verify customer ledgers, and print thermal Bluetooth receipts without an active internet connection. As soon as connectivity is restored, all transactions synchronize securely with the central database.

Can Finance 365 calculate flat interest, reducing balance, and penalty rules automatically?

Yes. The platform supports multiple loan calculation algorithms including flat rate, reducing balance, compound interest, grace periods, and overdue penalty fee compounding, completely eliminating manual calculation mistakes.

Is Finance 365 compliant with Central Bank of Sri Lanka (CBSL) microfinance reporting?

Yes. Finance 365 includes pre-built audit trail reports, Non-Performing Loan (NPL) age classification schedules, portfolio-at-risk (PAR) ratios, and financial balance sheets compliant with Sri Lankan microfinance regulatory standards.

Can cooperative societies (Sanasa / Thrift / Samurdhi) track member shares and dividends?

Yes. In addition to credit management, Finance 365 includes a Member Ledger module to record member shares, deposit balances, voluntary savings accounts, and annual dividend distributions with full transaction history.

How secure is financial transaction data against unauthorized staff alteration?

The platform enforces granular role-based permissions, dual-authorization approval for loan disbursement, immutable cryptographic transaction logs, and daily automated encrypted backups to protect institution assets.

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