SACCO & Loan Management Software · Uganda
SACCO Management Software for Uganda's SACCOs and MFIs
AcoLoan automates your entire lending operation — from loan applications and credit scoring to disbursement via mobile money and automated collections. Built to meet BOU, UMRA, and SACCO regulatory reporting requirements.
- Automated credit scoring and loan approval workflows
- Mobile money disbursement and repayment collection
- BOU and UMRA-compliant regulatory reporting
340%
Average fraud reduction for AcoLoan clients
Deployed across 25+ lending institutions in Uganda
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+256 783 041 832What you get
End-to-end SACCO and loan management automation
AcoLoan handles everything a SACCO or MFI needs — from member onboarding to loan closure — so your team spends less time on paperwork and more time serving members.
Loan origination & approval
Digital loan application forms, document upload, guarantor management, and multi-level approval workflows — all paperless.
Automated credit scoring
Score loan applicants based on repayment history, guarantor quality, and savings behaviour. Reduce bad loans with data-driven decisions.
Mobile money disbursement
Disburse approved loans directly to borrowers' MTN or Airtel mobile money wallets. Instant, traceable, and fully automated.
Arrears management
Automated SMS reminders for overdue loans. Escalation workflows for defaulters. Real-time portfolio-at-risk (PAR) dashboards.
Fraud detection
AcoLoan's fraud detection has reduced fraud losses for clients by 340%. Duplicate applications, ghost members, and suspicious patterns are flagged automatically.
Regulatory reporting
Generate BOU, UMRA, and SACCO-compliant reports in one click — loan portfolios, PAR reports, and financial statements ready for submission.
Who we serve
Built for Uganda's lending institutions
SACCOs
From community SACCOs with 200 members to large employer-based SACCOs with thousands of members and complex share structures.
Microfinance Institutions (MFIs)
Group and individual lending, savings mobilisation, and regulatory reporting for licensed MFIs.
Digital lenders
Automated loan processing, mobile money integration, and credit scoring APIs for digital-first lending platforms.
VSLAs & village savings groups
Simplified digital record-keeping for Village Savings and Loan Associations transitioning from paper to digital.
Commercial banks (SME lending desks)
Loan origination and portfolio management modules for bank SME lending operations.
“AcoLoan eliminated our manual loan tracking. Our PAR dropped by 40% in the first six months and our staff now process twice as many loans in the same time.”
Pricing
AcoLoan pricing
Setup fee: USD 2,000–8,000 depending on institution size and customisation. Monthly licence: USD 150–500. Includes training, data migration, and 12-month support.
From USD 150/month
Common questions
Frequently asked questions
Is AcoLoan compliant with Bank of Uganda and UMRA regulations?
Yes. AcoLoan generates all required BOU prudential returns, UMRA reporting, and SACCO regulatory submissions. We update the software whenever regulations change.
How long does it take to migrate from our current system to AcoLoan?
Most institutions migrate in 3–8 weeks. We handle data migration from Excel, old software, or paper records, and provide comprehensive staff training before go-live.
Can members apply for loans on their mobile phones?
Yes. AcoLoan includes a member-facing mobile app and USSD channel where members can apply for loans, check their balance, and view loan statements without visiting the branch.
Full AcoLoan product details
Get started today
Ready to work with Acolyte Technologies?
Call us, send a WhatsApp, or fill in the contact form. We respond within one business day and can be on-site in Kampala the same week.