From early-stage microfinance startups to established SACCOs and Tier-3 banks — SyncLend scales with your loan portfolio, automating operations and reducing default risk.
SyncLend is a cloud-based SaaS lending platform that automates loan origination, credit scoring, customer management, and repayment tracking — purpose-built for microfinance institutions, SACCOs, and low-tier banks in Kenya and across Africa.
Available on a flexible monthly subscription or one-time licence. Get started today.
We believe every lending business — from grassroots microfinance institutions to growing SACCOs — deserves enterprise-grade loan management software. SyncLend automates your entire lending lifecycle: loan origination, credit scoring, repayment scheduling, and portfolio reporting. Deployed in the cloud or on-premise, available on a monthly SaaS subscription or one-time licence across Kenya and Africa.
From early-stage microfinance startups to established SACCOs and Tier-3 banks — SyncLend scales with your loan portfolio, automating operations and reducing default risk.
The ideal loan management software for microfinance startups and new SACCOs entering the digital lending space. Get up and running fast with core lending tools on a simple monthly subscription.
Customer & Borrower Management (up to 200 active clients)
Loan Management — Ksh 100 to Ksh 200,000 loan range
General Loan Portfolio & Financial Reports
5 Hours Monthly Technical Support
Limited Software Customization
Daily Automated Database Backup
Secure Cloud Hosting & Server Management
M-Pesa Loan Repayment Integration
Built for growing SACCOs and microfinance institutions that have found their market and need a scalable digital lending platform — with deeper automation, integrations, and strategic support.
Customer & Borrower Management (201 to 800 active clients)
Loan Management — Ksh 100 to Ksh 2,000,000 loan range
Custom Loan Portfolio & Financial Reports
Priority Technical Support
Partial Platform Customization
Dedicated Business Growth Consultation
Daily Automated Database Backup
Third-Party Integrations — M-Pesa, SMS Alerts & Custom APIs
Designed for established microfinance institutions, large SACCOs, and Tier-3 banks that require fully custom lending software, a dedicated account manager, and advanced integrations — available as a monthly SaaS subscription or one-time licence.
Everything in Growth Package
Dedicated Account Manager
Full Platform & Workflow Customization
Custom Regulatory & Board-Level Reports
24/7 Priority Technical Support
All Third-Party Integrations including Custom Fintech APIs
One-Time Licence Option Available
Kenya enacted sweeping lending regulation changes in December 2024. All non-deposit-taking lenders — digital credit providers, microfinance, buy-now-pay-later and peer-to-peer — must now obtain a CBK licence within 6 months or face a KES 100K fine or 3-year imprisonment.
The CBK has released draft regulations introducing tiered licensing for all non-deposit credit providers. Lenders with KES 20M+ paid-up capital must apply for a full CBK licence. This guide covers every obligation — from physical office requirements to credit pricing compliance.
The Central Bank of Kenya approved 41 new digital credit providers in 2025, bringing total licensed lenders to 126. As Kenya's regulated lending market grows, microfinance institutions and SACCOs must understand the competitive landscape — and how compliance-first software gives them an edge.
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