Salary-backed fintech
Loan Management Software
A secure lending platform for employers that need controlled emergency credit, M-Pesa B2C disbursements, payroll-linked recovery, and transparent reporting.
Problem
Employees need fast emergency credit, but finance teams need controlled approvals, repayment visibility, and clean records.
Sikika build
Sikika designs the loan product around employer lending pools, employee self-service, approval rules, M-Pesa B2C payouts, and payroll-linked recovery reporting.
1Request2Approve3Disburse4Recover5Report
- Employee loan portal
- Employer finance dashboard
- M-Pesa B2C disbursement queue
- Repayment and arrears reports
Loan operation maturity
4 signals100%Repayment target
KES 500KDaily capacity
5Risk controls
