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For licensed, deposit-taking institutions

Microfinance bank software that runs deposits and loans as one

For licensed, deposit-taking microfinance banks — savings, loans, branches and regulatory returns in a single system.

You don’t just lend — you hold people’s savings, and a regulator holds you to account for both. But the deposits sit in one system, the loans in another, each branch keeps its own version of the truth, and every month-end the central-bank return turns into a scramble to reconcile it all. Being a bank means being trusted. That trust is hard to defend when the numbers live in five places.

Where it breaks

What being a deposit-taking institution really demands

A microfinance bank carries weight a credit-only lender doesn’t: other people’s deposits, a branch network, and a regulator watching both.

Deposits live in one system and loans in another.

Savings, fixed deposits and loans run on the same platform, so a customer’s whole relationship with the bank sits in one place — no reconciling two systems that were never meant to talk.

Every branch reports a little differently, and head office stitches it together.

Branches all work in one system. Head office sees consolidated and per-branch numbers in real time — no waiting on spreadsheets from the field to know where the bank stands.

The regulatory return swallows the last week of every month.

Loan classification, provisioning and the figures behind your central-bank returns are produced from live data, so the deadline is an export — not a fire drill.

Tellers balance cash by hand and end-of-day doesn’t always add up.

Counter transactions are captured as they happen and reconciled at end of day, so cash positions balance and a missing figure is found in minutes, not after close.

A customer with a savings account, a loan and a deposit looks like three customers.

One customer view shows every product they hold and how they’re performing, so your team serves the whole relationship instead of piecing it together.

How it fits

How Lendbox runs a microfinance bank

Microfinance bank software is a core banking system for licensed, deposit-taking microfinance banks — running savings and deposits alongside loans, consolidating every branch, producing the figures behind central-bank and prudential returns, and keeping teller and end-of-day cash tight under proper controls. Not a feature list — just the four things a regulated, deposit-taking institution can’t run without.

Savings & deposit accounts

A deposit-taking institution is more than a loan book. Lendbox runs the savings side as a first-class part of the bank, right next to lending.

  • Savings and current accounts with interest on balances
  • Fixed and term deposits with maturity handling
  • Deposits and withdrawals posted in real time
  • Savings tracked alongside each customer’s loans

Multi-branch operations

Run the whole network from one system, with the visibility and control head office needs across every branch.

  • All branches on a single, consolidated platform
  • Per-branch and bank-wide performance reporting
  • Roles and permissions scoped by branch
  • Inter-branch activity reconciled centrally

Regulatory & prudential reporting

Reporting to the regulator is non-negotiable. Lendbox keeps the numbers behind it accurate and ready, all month long.

  • Loan classification and provisioning from live data
  • Figures aligned to central-bank return requirements
  • Portfolio-at-risk and prudential ratios on demand
  • Clean exports for submissions and auditors

Teller & cash management

The counter is where trust is won or lost. Lendbox keeps cash handling tight and end-of-day clean.

  • Teller transactions captured at the counter
  • End-of-day balancing and cash positions
  • Maker-checker controls on sensitive actions
  • A full audit trail behind every entry

Proof

“Savings sat in one system, loans in another, and head office only saw branch numbers days after the fact. With Lendbox it’s one platform — deposits, loans and every branch on a single screen — and the monthly return to the regulator is an export instead of a week of overtime reconciling spreadsheets.”
Joseph Banda, Head of Operations, Hekima Microfinance Bank·Deposit-taking microfinance bank · 9 branches
on one platform
9 branches
consolidated reporting
Real-time
to file the regulatory return
1 week → minutes

Questions microfinance banks ask us

What is microfinance bank software?
Microfinance bank software is a core banking system built for licensed, deposit-taking microfinance banks — it runs savings, deposits and loans on one platform, consolidates every branch, produces the loan classification, provisioning and figures behind central-bank and prudential returns, and keeps teller and end-of-day cash tight with maker-checker controls. Lendbox brings deposits, loans, branches and regulatory reporting into a single system, so a customer’s whole relationship and the bank’s whole position sit in one place.
Can we manage savings and deposits alongside loans in one system?
Yes. Lendbox is a core banking system that runs savings and current accounts, fixed and term deposits, and loans on the same platform, so each customer’s full relationship with the bank — deposits and borrowing — sits in one place.
Does it support multiple branches with consolidated reporting?
Yes. Lendbox runs every branch in the same system, with roles and permissions scoped by branch, and head office sees both per-branch and bank-wide performance in real time.
Can it help with central-bank reporting and loan provisioning?
Yes. Lendbox calculates loan classification, provisioning and portfolio-at-risk from live data and aligns them to your central-bank return requirements, with clean exports for submissions and auditors.
Does it handle teller transactions and end-of-day cash balancing?
Yes. Lendbox captures teller transactions at the counter as they happen, end-of-day balancing reconciles cash positions, and maker-checker controls sit on sensitive actions.
Can we see a customer’s full relationship in one place?
Yes. Lendbox gives you a single customer view showing every product a customer holds — savings, deposits and loans — and how each is performing, so your team serves the whole relationship at once.
Does it have the controls and audit trail a regulated bank needs?
Yes. Lendbox provides role-based permissions, maker-checker approvals on sensitive actions, and a full audit trail behind every entry — the controls a licensed, deposit-taking institution is expected to run.

Run the whole bank on one platform

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