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For group & joint-liability lenders

Group lending software built for meeting day

For the team running joint-liability groups — collect at the meeting, track every member, keep the group guarantee straight.

You know the rhythm: the group gathers, the contributions come in, the book gets passed around, and the cash goes into the bag. It works because you and your officers know every face. But the book is paper, the cash is real, and the reconciliation waits until tonight — when one wrong figure means an argument at next week’s meeting. The trust is the easy part. Keeping the numbers as honest as the people is what eats your evenings.

Where it breaks

What group lending actually demands of you

Lending to groups isn’t harder than lending to individuals — it’s just more moving parts: more people per loan, more cash in the field, more trust to keep accounted for.

Meeting day runs on paper, and reconciliation runs late into the night.

Officers record every member’s repayment as the meeting happens. The group’s totals add up on the spot, so there’s no ledger to re-key and no midnight reconciliation.

When one member can’t pay, you lose track of who’s covering the gap.

The shortfall and the group guarantee are tracked against the right members automatically — so the joint liability that holds your model together is never just in someone’s head.

One officer carries dozens of groups across scattered locations.

Every group, centre and member sits under the officer who owns it. You can see any officer’s book — and the health of every group on it — without a single phone call.

Cash collected in the field rarely matches what lands in the office.

Collections are captured the moment money changes hands and reconciled against what each officer banks. Leakage shows up the same day, not at month-end.

A new member’s loan waits on the whole group to sign off.

Group approval is a step in the workflow, not a paper chase. The group endorses, the officer confirms, and the loan moves — with a record of who approved what.

How it fits

How Lendbox runs group lending in the field

Group lending software helps microfinance lenders run joint-liability groups in the field — capturing meeting-day collections (even offline), tracking each member and the group guarantee, and reconciling field officers’ cash. It’s built for group methodologies like village banking and VSLA-style schemes. Not a feature list — just the four things that make a group, meeting-based portfolio run cleanly.

Groups, centres & members

Group lending only works if the structure underneath it is right. Lendbox models the way your portfolio actually looks on the ground.

  • Centres, groups and individual members in one hierarchy
  • Members assigned to the officer who serves them
  • Group and individual loans tracked side by side
  • Move members between groups without losing their history

Meeting-day collections

The weekly meeting is where your business actually happens. Give officers a tool that keeps up with it — even where there’s no signal.

  • Collect repayments from every member at the meeting on a phone
  • Works offline and syncs when the officer is back in range
  • Bulk entry for a whole group in one pass
  • Attendance and group standing captured alongside payments

Joint liability & guarantees

The group guarantee is the whole point of joint-liability lending. Lendbox keeps it accurate so the model protects you the way it’s meant to.

  • Group guarantees recorded against each loan
  • Shortfalls allocated across covering members
  • Group savings tracked and used as security
  • A clear view of which groups are carrying risk

Field officers & cash control

Money moves through people in the field. Lendbox gives you the reconciliation and oversight that keeps that money honest.

  • Every officer’s collections reconciled against banking
  • Same-day visibility of cash in the field
  • Portfolio-at-risk by officer, group and centre
  • A full audit trail behind every collection

Proof

“What really made us switch fully was how scalable the software is and how responsive the support team is to our suggestions. We knew this could grow with us.”
Abraham Mukelabai, Executive Director, Abramuke General Dealers·Abramuke General Dealers · Microlender, Zambia
investor partnerships
2 new
as the book grows
Scalable
manual processing time
Less
Read the full AGD case study

Questions group lenders ask us

What is group lending software?
Group lending software helps microfinance and joint-liability lenders run group-based lending in the field — capturing every member's repayment at the meeting (even offline), tracking the group guarantee and any shortfall across covering members, and reconciling each field officer's cash against what they bank. Lendbox is built for group methodologies like village banking and VSLA-style schemes, so meeting day reconciles on the spot instead of late at night.
Can we manage groups, centres and individual members in one place?
Yes. Lendbox models your full hierarchy — centres, groups and members — with each member assigned to a loan officer. Group loans and individual loans are tracked side by side, and you can move a member between groups without losing their repayment history.
Can officers collect repayments at the meeting, even with no signal?
Yes. Lendbox lets officers collect from every member at the meeting on a phone. The app works offline and syncs when they’re back in range, with bulk entry so a whole group can be recorded in one pass.
How does it handle joint liability when a member can’t pay?
Lendbox allocates the shortfall across covering members and tracks it against the group guarantee, so the joint liability that underpins your model stays accurate and visible rather than living in someone’s notebook.
Can one loan officer manage many groups across different locations?
Yes. Lendbox puts every group and centre under the officer who owns it, and you can see any officer’s entire book — including portfolio-at-risk by group and centre — in one view.
Can we use group savings as security for the loans?
Yes. Lendbox tracks group savings and can use them as security against the group’s loans, alongside the recorded group guarantee.
Does it work for village banking and VSLA-style models?
Lendbox supports village banking and VSLA-style models as well as classic joint-liability group (JLG) microfinance, with the same group, meeting and joint-liability tooling across all of them.

Bring meeting day onto one screen

Start a free trial of Lendbox and run your groups, collections and guarantees in one place.

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