SoftDayta Credit Credit operations platform for finance companies, micro lenders, and pawnshops
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Credit operations software

Modernise lending operations with one controlled workspace your team can trust.

SoftDayta Credit gives finance companies, micro lenders, and pawnshops one operational workspace for customer records, credit servicing, repayment tracking, statements, collections, contracts, and portfolio reporting.

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  • Structured customer records and portfolio visibility
  • Repayment, collections, and statement workflows in one place
  • NBFIRA-ready reporting, contracts, and credit check in one subscription
Faster daily operations Replace fragmented spreadsheets with a controlled lending workflow.
Cleaner reporting Keep customer data, contracts, statements, and reporting aligned.
Built for continuity Cloud-based records reduce the risk of losing files on one machine.
Used for customer records, loans, statements, collections, and compliance support Built for finance companies, micro lenders, and pawnshops

Product preview

Lending operations dashboard

Live portfolio
Active portfolio P 4.8M Across current lending book
Collections due P 286K Next 7 days
Statements issued 184 Month to date
Customer portfolio Updated today
Repayment queue Collections
QLL0042CurrentP 12,000
QLL0058ReviewP 8,450
QLL0074CurrentP 19,600
Recent customer activity Statements, repayments, reporting
ClientRepaymentStatusNext due
QLL0002P 5,000Statement sent2026-05-15
QLL0014P 2,800Collection follow-up2026-05-18
QLL0028P 7,250Report included2026-05-20

Why Teams Switch

Better control, stronger reporting, and less operational risk

SoftDayta Credit gives lending businesses a more dependable operating model than scattered Excel files, isolated devices, and manual statement preparation.

Operational Control Run lending operations from one source of truth

Customer records, loans, repayments, statements, contracts, and reporting stay connected in one system instead of being split across files and inboxes.

Cloud-based continuity

Reduce the risk of lost Excel files, damaged laptops, and person-dependent recordkeeping.

Compliance-ready output

Keep cleaner operational records for management reviews, regulatory reporting, and internal control.

Segregation of duties

Support multiple users and stronger accountability instead of relying on one person to control every step.

Core Workflow

Everything the lending team needs in one operating flow

The platform is built around the practical sequence of lending work so teams can move faster without losing visibility or control.

01
Capture customers and loans

Record customer profiles, loan terms, disbursements, instalments, and balances in one controlled system.

02
Track repayments and collections

Monitor instalments, payment allocations, outstanding balances, refunds, and collection follow-up with better visibility.

03
Issue statements and contracts

Generate customer statements, loan schedules, contracts, and operational documents from the same source of truth.

04
Review reports and compliance outputs

Prepare management reports and NBFIRA-ready reporting outputs with cleaner data and less manual effort.

Pricing

One subscription for the full lending suite

SoftDayta Credit is offered as one paid subscription for lenders that want the complete operational platform without feature trade-offs.

Community Finance Access Programme remains a separate route for approved savings and community finance groups.

SoftDayta Credit

One subscription with the full lending suite.

P300per month
  • Unlimited customers and team access
  • Customer, loan, repayment, and statement workflows
  • Contract management, credit check, and lead management
  • NBFIRA reports and summary reports included
  • 50% off the first month subscription

A single full-suite offer for finance companies, micro lenders, and pawnshops that want complete operational coverage from one subscription.

One subscription access No feature splitting across paid tiers Community programme handled separately
Get 50% Off First Month Sign In
50% off first month Onboarding guidance included Single subscription access Flexible workspace setup

Public Tool

Loan calculator available without signing in

Open a dedicated public calculator page to estimate total interest, instalments, repayment dates, and balances before a loan is created in the system.

The public loan calculator helps lenders and customers model repayment scenarios using flat/simple interest, reducing balance, and compound interest from a clean standalone page. Users can move back to the landing page or sign-in area at any time.

Public access Flat / simple interest Reducing balance Compound interest Printable schedule preview
Open calculator directly from the website

Use it for onboarding conversations, affordability checks, and repayment illustrations before capture in the workspace.

Open Loan Calculator

Optional add-on

Accounting advisory for credit providers

Specialist finance support for finance companies, micro lenders, and pawnshops that want more than software: stronger bookkeeping, reconciliations, reporting discipline, and compliance support.

Get specialist support for bookkeeping, loan book reconciliations, monthly management accounts, financial statements, tax support, NBFIRA returns, and audit preparation.

Bookkeeping Loan book reconciliations Interest and repayment tracking NBFIRA returns Audit preparation
From P3,000 for specialist support

Ideal for lenders that want cleaner finance operations alongside their lending platform.

View Accounting Services