The operating system for modern microfinance and cooperative teams.
BOA brings client onboarding, savings, smart loan appraisal, disbursement, repayments, group lending, portfolio tracking, approvals and reporting into one secure SaaS platform.
Built for institutions managing real branch operations
Your operations are too important for scattered spreadsheets.
Manual operations do not scale. BOA connects the work happening at branches, in the field, and at head office into a single secure platform.
Without BOA
- ×Client records are hard to verify and update
- ×Loan appraisal is inconsistent across branches
- ×Repayment tracking requires manual reconciliation
- ×Branch reports arrive late and often contain errors
- ×Portfolio risk is hidden until it's too late
- ×Approvals lack a clear audit trail
With BOA
- Unified Client 360 & KYC across all branches
- Smart, configurable loan appraisal rules
- Automated schedules and real-time repayment tracking
- Instant reports for managers and officers
- Real-time PAR and ageing visibility
- Strict role-based permissions and audit logs
One platform. Every branch operation connected.
Client 360 & KYC
Complete client profiles with documents, KYC, and lifecycle tracking.
Savings Accounts
Flexible products with deposits, withdrawals, interest, and dormancy rules.
Smart Loan Appraisal
Configure products with stage caps, scoring, and guarantor verification.
Disbursements
Automate disbursement and holiday-aware repayment schedule generation.
Portfolio Management
Real-time officer and branch portfolios with PAR and ageing.
Strict Approvals
Multi-level approval workflows with full decision history and audit logs.
Smarter lending decisions from application to repayment.
Configure product rules once. BOA carries them through application, appraisal, approval, disbursement, and repayment automatically.
- Enforce product stage caps and guarantor rules.
- Weighted appraisal scoring for business cash flows.
- Holiday and weekend-aware repayment dates.
- Automatic PAR classification and arrears tracking.
Know every officer's portfolio strength in real time.
See the strength of every officer, branch, and portfolio before risk becomes loss. Eliminate spreadsheet reconciliation.
- Clients managed and savings balance totals.
- Active vs fully repaid loan ratios.
- Overdue amount and ageing analysis (30/60/90 days).
- Secure portfolio transfers between officers.
Purpose-built for solidarity groups and village banking.
Run group savings and group loan repayment sessions without losing control of individual member records. Track meeting attendance, solidarity guarantees, and group health scores instantly.
Enterprise-grade controls for financial operations.
Every sensitive action — from disbursement to reversal — can be controlled by permission, approval, and audit trail.
Role-based Permissions
Assign precise access rights to officers, managers, and auditors.
Hierarchy Access Scope
Restrict user visibility strictly to their assigned Branch or Zone.
Approval Workflows
Enforce maker-checker rules for loans, disbursements, and transfers.
Immutable Audit Logs
Track who did what, when, and from where, forever.
Designed for the realities of branch-led finance.
BOA is built specifically for institutions operating across branches, markets, groups, and communities — where accountability and speed matter most. We understand the unique challenges of financial inclusion.
Field Officers
Collect repayments and onboard clients directly in the field with mobile-friendly access.
Branch Managers
Monitor branch portfolios, approve loans, and manage staff performance in real time.
Credit Teams
Review rigorous smart appraisals and ensure compliance before disbursement.
Cooperative Leaders
Manage member shares, savings, and solidarity lending with total transparency.
Trusted by modern institutions.
See how BOA is helping organizations scale their impact across communities.
BOA transformed our field operations. Officers now capture repayments in real time, and our PAR 30 dropped by 4% in just two months.
We used to struggle with group solidarity tracking. Now, our village banking meetings are fully automated, and members have total transparency.
The multi-level approval workflow ensures that our head office has complete oversight before a single Naira is disbursed to any branch.
Simple, predictable pricing for institutions of all sizes.
Start with a 14-day free trial. No credit card required to begin.
Starter
For small cooperatives and thrift groups just starting out.
Growth
For growing MFIs and multi-branch cooperatives.
Enterprise
For large institutions needing custom scale and control.
Ready to modernise your branch operations?
See how BOA can help your institution improve control, visibility, and repayment performance today.