One ledger under every module.
A disbursement, a receipt at the counter, a collection sheet from a centre meeting and a month-end accrual all post through the same journal, under the same rule: an entry balances, or it is refused.
Book a demoTRBTrial balance, September 2026
| Account | Debit | Credit |
|---|---|---|
| 1110Cash in hand | 4,982,500.00 | |
| 1210Loan portfolio | 118,406,250.00 | |
| 2110Savings deposits | 36,705,937.50 | |
| 4110Interest income | 16,813,687.50 | |
| Seven other accounts | 23,410,000.00 | 93,279,125.00 |
| Totals | 146,798,750.00 | 146,798,750.00 |
Balanced. Debits equal credits.
Lend
From the first enquiry to the last recovery, with the field officer’s day in it.
- LendingVersioned loan products, a quote frozen at submission, approval that reprices, and repayments in your own order.
- Arrears and provisioningA nightly run that penalises, accrues and places every loan on your own delinquency ladder.
- Field collectionsThe centre collection sheet, keyed back in as one batch that must equal the cash the officer counted.
- Clients and KYCNIC-aware client records, groups and centres, KYC documents with verification, custom fields and CSV import.
Hold & move money
Deposits, the counter and the till, each leaving a document and an entry.
Account & control
The ledger everything posts to, the reports read from it, and who may do what.
- AccountingA general ledger in which every entry balances or is refused, and no posted entry can be edited.
- ReportingFour built-in reports, a designer for your own queries over sandboxed views, and scheduled CSV, XLSX or PDF.
- Approvals and controlsApproval flows you draw, quorum rules, one inbox per person, office-scoped roles and a hash-chained audit trail.
Connect
Messages to borrowers and events to your other systems.
Planned
On the roadmap, in no fixed order and with no dates. We would rather tell you what is not built yet than let you find out in a pilot.
- A portfolio home screen
- Approval committees and an authority matrix
- Duplicate-client detection
- Collection at any branch
- Export on every screen
- Screens for webhooks, collections and bulk import
- Passkeys and single sign-on
- Country compliance packs
- An offline field app
- A client portal
See it on your own products and numbers.
A walkthrough with the team that builds Fused: your loan products, your branches, your month-end.