account_balance Banking & Microfinance Suite

Micro Finance Management System (CS Credit Platform)

Complete credit control, loan disbursement, daily/weekly field collection routing, automated interest/penalty calculation, and guarantor auditing for financial institutions and microfinance credit companies.

CS Credit Microfinance Platform

Loan portfolio control, field collection tracking, and interest automation.

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CS Credit

Core Engine

Daily/Weekly

Collection Routing

100%

Audit & Recovery

payments

CS Credit Microfinance

Portfolio Ref #MF-2026

Active UAT Node

Loan Approval & Guarantors

3 Verified Guarantors Linked

Verified

Interest & Fine Calculation

Flat Rate 18% p.a. + Auto Fine

Automated

Field Collection Sync

14 Active Collectors Syncing

Real-Time

Today's Field Collection Target LKR 485,000 / 500,000

Financial Control Tower

Credit Portfolio Command Center

Centralized control for loan disbursements, field collector management, interest automation, and arrears audit.

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Field Collector GPS & Thermal Printer Route Sync

Equip daily/weekly field collection officers with Android/iOS mobile interfaces. Issue instant Bluetooth thermal receipts, balance daily cash drawers, and upload collection logs live to head office servers.

Live Route Tracking Active Request Live Demo →

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Automated Interest & Penalty Ledger

Automatic daily/weekly interest accrual, reducing balance formulas, and grace-period fine calculations with general ledger integration.

Zero Manual Accounting Errors

Financial Technology

Core Modules & Capabilities

Engineered specifically for microcredit companies, daily collection operators, and financial lending institutions.

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Loan Disbursement & Scoring

Risk scoring algorithms, document verification, guarantor pledge management, and automated installment schedule generation.

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Daily & Weekly Field Collectors

Mobile route collection sheets, thermal Bluetooth receipt printing, collector cash box balancing, and GPS location tracking.

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Interest Engine & Portfolio Analytics

Customizable flat/reducing interest rates, arrears penalty engine, NPL tracking, and full general ledger integration.

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Guarantor & Asset Collateral Audit

Multi-guarantor linking per borrower, vehicle/property collateral registry, legal notice generation, and recovery tracking.

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Multi-Branch & Teller Governance

Centralized head-office management over regional branches, teller shift cash reconciliation, and supervisor authorization overrides.

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SMS Reminders & Digital Receipts

Automated SMS collection reminders prior to due dates, instant payment confirmation SMS to borrowers, and e-receipts.

CS Credit Intelligence

Risk Rating Engine & PII Data Protection

Built for institutional microcredit compliance, automated delinquency tracking, and data security.

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PII & Amount Masking

Role-based masking of customer NIC, phone numbers, and loan amounts for field collectors and unauthorized staff.

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"Top at Risk" Delinquency Alerts

Automated consecutive-miss tracking triggering instant supervisor alerts before agreements enter NPL default.

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Holiday Exclusion Calendar

Automatic repayment schedule adjustment excluding Sri Lankan Poya days, Sundays, and Mercantile holidays.

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Investor & Portfolio Reports

One-click exports for Investment Portfolio Summary, Customer Ledger Statements, and Staff Audit Logs.

Field Collection Operations

Seamless Daily & Weekly Collection Routing

CS Credit equips field officers with intuitive mobile web interfaces that work seamlessly even in remote areas. Collectors can instantly pull up daily customer sheets, record cash receipts, print Bluetooth thermal receipts, and upload sync logs directly to head office servers.

check_circle Automated daily collection route ordering based on borrower locations.
check_circle Real-time cash box balancing and collector end-of-day handovers.
check_circle Zero calculation errors with locked interest and fine rules.

Collector Route Sheet #COL-09 18 / 20 Collected

Loan #MF-8092 (K. Perera)

Daily Installment: LKR 1,200

Paid

Loan #MF-8093 (M. Fernando)

Daily Installment: LKR 2,500

Paid

Amortization & Fine Engine Schedule #LN-5042

Principal Outstanding

Reducing Interest Rate 18% p.a.

LKR 125,000.00

Late Payment Fine Calculation

Grace Period 3 Days Exceeded

LKR 350.00 Auto-Added

Credit Engine & Accounting

Automated Interest & NPL Risk Ledger

Eliminate manual calculation mistakes. CS Credit automatically computes daily, weekly, or monthly interest schedules based on flat or reducing rate rules, auto-applies grace period fines, and updates non-performing loan (NPL) risk categories.

check_circle Configurable grace periods, holiday schedules, and penalty triggers.
check_circle Guarantor pledge auditing and automated legal reminder generation.
check_circle Real-time General Ledger (GL) posting for principal & interest income.

Security & Infrastructure

Bank-Grade Financial Architecture

Protecting sensitive loan portfolio databases with strict audit trails and multi-level permissions.

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AES-256 Encryption

Encrypted databases for all borrower personal records, guarantor details, and financial ledgers.

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Teller & Supervisor Governance

Supervisor approval required for loan waivers, write-offs, or principal recalculations.

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Cloud & Local Node Support

Deploy on SriLions secure cloud infrastructure or on local branch servers for offline resilience.

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Full Audit Logs

Track every cash entry, collector route sync, and loan status change for financial compliance.

Tailored Solutions

Designed for Credit & Microfinance Operators

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Microfinance Institutions

Registered microcredit companies managing large portfolios of daily/weekly micro-loans.

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Daily Collection Operators

Field collector teams needing mobile route sheets, cash balancing, and instant receipt printing.

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Co-operative Credit Societies

Community credit unions and member loan societies requiring guarantor management.

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Commercial Credit Lenders

Asset-backed lenders requiring collateral verification, flat/reducing interest calculations, and NPL audit.

99.4%

Field Collection Accuracy

Interest Calculation Errors

45%

Reduction in NPL Defaults

100%

Automated General Ledger

Support & Information

Frequently Asked Questions

How can I request a live demo of CS Credit?

Click the "Request System Demo" button on this page or visit our contact page to schedule a customized walkthrough with our technical team.

Is CS Credit suitable for multi-branch organizations?

Yes, CS Credit supports multi-branch central administration, regional field officer routing, and supervisor approval workflows.

Can CS Credit support both daily and weekly microfinance loans?

Absolutely. CS Credit fully supports daily collection schemes, weekly installment loans, monthly repayments, flat rate interest, and reducing balance calculations.

Does CS Credit work on mobile devices for field collectors?

Yes, field collectors can use any smartphone or tablet to manage route sheets, issue receipts, and sync collection balances with the main server.

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Ready to Scale Your Microfinance Operations?

Schedule a tailored demonstration with our microfinance software engineering team today.

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