SA’s Intelligent Lending Platform
Run your whole lending business on one platform
Applications, credit checks, signing, payouts, collections and NCR reporting — with field agents, Vula AI and seven languages built in. Made for NCR-registered microlenders.
- Built for NCR-registered credit providers
- Seven languages, English prevails
- Direct disbursement and DebiCheck
- Full audit trail of every action
Vula AI· Your intelligent credit analyst
An expert second opinion, before you lend
Vula AI reads the file the way a seasoned credit analyst would, and explains what it found in plain language. Your credit officer always makes the decision.
- Spots documents made or edited in editing software, or changed after they were created
- Compares the payslip with the salary actually paid into the bank
- Reads the statement for debt cycling, gambling and bounced debit orders
- Counts other lenders and debit orders, then explains its recommendation
Vula AI review
T. Dlamini · R3 000 over 6 monthsDemo lender
- Net salary paid in
- R14 820
- on the 25th
- Loan debit orders
- R4 960
- 7 a month
- Debt-to-income
- 41%
- of salary paid in
- Payslip and bank: The net salary on the payslip doesn’t match the salary paid into the bank.
- Document metadata: The bank statement PDF was produced by a document-creation tool — verify the source.
- Account behaviour: Money was sent back out on the day it arrived, twice — a sign of debt cycling.
- Recommendation: Refer for review. Verify the payslip with the employer and ask for the original bank statement before approving.
In every plan
Four modules that run the business
From the first application to the year-end accounts — one system, and every record ties up.
Lending
- Branch, online, WhatsApp and agent applications
- Credit checks and affordability
- Phone signing and direct disbursement
Recoveries
- Arrears worklist and strategies
- Arrangements and promises to pay
- s129 notices and templates
Finance
- Journals, income statement, balance sheet
- Cash flow and reconciliations
- Profitability and expenses
Compliance and admin
- NCR documents and SACRRA
- Audit log of every action
- Staff, branches, permissions
Built into everything
The features lenders rely on every day
Direct disbursement
Automatic payouts to the borrower’s bank, with velocity limits and holds you release.
DebiCheck collections
Mandates, collections, disputes and settlement — repayments come in on their own.
- New
Seven languages
Screens, SMS, email, WhatsApp and legal documents in seven languages. English prevails.
Phone signing
One-time code by SMS or email; signed copy stored.
Identity and address checks
Live selfie matched to the ID; address and bank verified.
Credit bureau checks
Checks with credible credit bureaus, with limits on repeat pulls.
Borrower portal and app
Your branded portal that installs on any phone.
Custom domain
Your site and portal on your own web address.
SMS and email
Messages from your name, with prepaid SMS credits.
Add-ons
Switch on more when you’re ready
New screens for your team and new ways for borrowers to deal with you.
VulaCheck Umphakathi
NewField agents — your staff or trusted community members — take applications on their phones, in your branding. Commission on repayments collected.
Discounting
Invoice discounting for business clients: facilities, dockets and debtors.
Plans from R829 a month
14-day free trial · No set-up fee · Every plan includes all four modules · VulaCheck is not VAT-registered — no VAT is added
Free · online · every Saturday 09:00–10:30
See it working before you decide
Send training on WhatsApp to 068 737 3238 for the Google Meet link and reminders.
