The finance platform built for African credit
Run hire purchase, microfinance, savings and loans, cooperatives, asset finance, and susu schemes on one secure, multi-tenant core. Origination, collections, payroll, and BoG packs included.
- Financial institutions
- 100+
- Customers served
- 500k+
- Credit originated
- GH¢250M+
- Platform uptime target
- 99.99%
Platform
A complete financial suite
Everything required to run a modern institution — from Ghana Card onboarding to prudential reports.
Savings & deposits
Susu, term deposits, and daily collections with automated interest.
Open Savings & depositsLoans & hire purchase
Origination, schedules, assets, disbursement, and repayment tracking.
Open Loans & hire purchaseFinancial reporting
Balance sheet, P&L, and Bank of Ghana packs from the same ledger.
Open Financial reportingCRM & KYC
Digital onboarding, vaulted documents, and a single client file.
Open CRM & KYCRisk & compliance
AML checks, NPL classification, and portfolio early warning.
Open Risk & complianceDigital channels
Client portal, MoMo, Paystack, SMS, and USSD-friendly receipts.
Open Digital channelsModules
Switch on only what you need
Start with hire purchase or loans. Add savings, payroll, and compliance when the institution is ready.
Loan Origination
Paperless applications, Ghana Card KYC, credit scoring, dual-control approvals, and instant disbursement.
View module
Core Banking
Real-time ledger, multi-product accounts, branch cash, and automated reconciliation.
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Collections AI
Early-warning scores, SMS/USSD reminders, field-officer queues, and recovery analytics.
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Hire Purchase
Asset registers, instalment schedules, GPS-aware watchlists, repossession, and customer statements.
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Savings & Deposits
Susu, target savings, fixed deposits, interest posting, and teller workflows.
View module
Payroll & HR
Employee records, Ghana PAYE, SSNIT, leave, and branded payslips.
View moduleSolutions
Configured for how you actually lend
The same platform, with workflows that match hire purchase yards, susu markets, and licensed MFIs.
Hire Purchase
Run vehicle, appliance, and equipment finance with schedules, collateral, and collections in one module.
Microfinance
Group lending, field officers, PAR dashboards, and BoG prudential returns for licensed MFIs.
Savings & Loans
Deposit taking, loan books, multi-branch cash, and client self-service in a single core.
Cooperatives
Member shares, dividend runs, and credit-union style lending with transparent ledgers.
Asset Finance
Track financed assets from onboarding to residual value with insurance and GPS hooks.
Susu Schemes
Digitize daily collectors, cards, and payouts without losing the relationship model customers trust.
Watch
Product walkthrough
Ninety seconds through origination, collections, the client portal, and month-end — filmed as a visual tour of the operating model.
Step 1
Onboard with Ghana Card KYC
Capture identity, photos, and next-of-kin once. Reuse the file across loans, savings, and hire purchase.
Step 2
Originate and schedule
Price reducing-balance or flat-rate products, lock a schedule, and disburse with dual control.
Step 3
Collect in the market
SMS, USSD, MoMo, and field queues post to the same instalment so PAR is honest.
Step 4
Let customers self-serve
The client portal shows the live savings balance, loan due, and HP statement — then takes payment.
Step 5
Close the month on the same ledger
Provisions, MPR packs, payroll, and the GL share one book examiners can sample.
Customers
Operators, not slideware
Credit, collections, and finance teams use OrbitMFI every day.
“We replaced three spreadsheets and a desktop HP system with OrbitMFI. Officers now see arrears before they become repossessions.”
“The BoG pack alone saved our compliance team days at every month-end. Collections AI paid for the Professional plan in the first quarter.”
“Susu collectors still work the market, but cards, receipts, and payouts now post in real time. Clients finally trust the balance they see.”
Insights
From the OrbitMFI blog
Hire Purchase
The hire purchase operations playbook for Ghanaian lenders
A practical guide to running vehicle and appliance finance on a modern core: KYC, schedules, arrears, and repossession watchlists.
9 min · Abena Owusu
Compliance
Bank of Ghana microfinance compliance checklist for 2026
Month-end should not be a scramble. Use this checklist to keep prudential returns, NPL classification, and liquidity packs audit-ready.
8 min · Kojo Ampah
Collections
How collections AI actually reduces PAR
Scores without queues change nothing. Pair early-warning models with SMS, USSD, and field-officer worklists.
7 min · Efua Darko
FAQ
Questions institutions ask before they switch
Ready to modernize your institution?
Start a 14-day trial or talk to sales about hire purchase, microfinance, and multi-branch cores.