PulaLend
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Loan management software for micro-lenders and pawnshops in Angola

Run your loan book.
Not spreadsheets.

PulaLend takes every loan from application to the last cêntimo collected, with approvals signed off, arrears tracked, collateral recorded and your BNA figures ready when the regulator asks.

Start your 30-day free trial See what it does
No card needed From US$ 40/month after the trial No hosting fees Cancel any time
BNA-readyQuarterly return in minutes
Exact to the cêntimoSchedules match statements
Every branchOne system, branch-level control
Works on any deviceOffice PC, laptop or phone
Why lenders switch

The things that keep you up at night, handled

Most lending businesses run on a ledger book, a spreadsheet and memory. That works until a branch opens, a staff member leaves or the regulator calls.

BeforeLoans approved over WhatsApp, with no record of who said yes.
With PulaLendEvery loan is created, checked, approved and paid out by different people, each step signed and dated.
Before"How much is outstanding?" takes a day of adding up.
With PulaLendThe loan book closes itself every night. Opening, new loans, repayments and closing are always on screen.
BeforeThe regulator asks for loans between Kz 5,000 and Kz 10,000.
With PulaLendType the range and get the number of loans, the total and what's still owed in seconds.
BeforeCustomers dispute their balance and you can't prove it.
With PulaLendA printed statement on your letterhead shows every payment and how it was applied.
BeforeStaff in one branch can see and change another branch's loans.
With PulaLendRoles and branch rules decide who sees what. A deactivated user is signed out at once.
BeforeCollateral sits in a drawer with a sticky note.
With PulaLendEach item is photographed, valued and tracked from handover to release, forfeiture or sale.
Everything in one place

A complete lending system, not another spreadsheet

Everything you need from the first application to the quarterly return, built around how micro-lenders in Southern Africa actually work.

Controlled approvals

Maker, checker, approver and disbursement, each one signed off.

  • Approval limits per role
  • Overrides need a reason and are flagged
  • Return or reject with comments

Loan products your way

Set up each product once and every loan follows it.

  • Reducing-balance interest
  • Admin fees and penalties
  • Terms and instalments per product

Collections & arrears

Record a payment and it's applied correctly straight away.

  • Penalties, fees, interest, then principal
  • Days late and arrears by loan
  • Payment reversals with a record

Settlements & rollovers

Settle early or roll over without arguing about the figure.

  • Early-settlement quotes
  • Interest-only rollovers
  • Undo with a full record

Collateral-secured loans

Lend against goods, vehicles or title deeds with proper control.

  • Loan-to-value limits
  • Photos, custody and valuation
  • Forfeit, sell and apply proceeds

Customers & KYC

One record per customer, with documents attached.

  • BI-based customer file
  • KYC documents on file
  • Full loan history per customer

Branches, roles & staff

Give each person exactly the access they need.

  • Custom roles and permissions
  • Invite staff by email
  • Lockout after repeated wrong passwords

Statements & exports

Professional paperwork without retyping anything.

  • Statements on your letterhead
  • Excel export on lists and reports
  • Payment reports as PDF
ApplyCustomer, loan and documents captured
CheckDetails verified by a second person
ApproveWithin the approver's limit
Pay outDisbursed and the schedule starts
CollectPayments applied, arrears tracked
CloseSettled, rolled over or recovered
Regulatory reporting · Banco Nacional de Angola

When the BNA asks, you answer in minutes

Your figures are kept the way a regulator expects. Each day is closed and frozen, so a quarter you've reported doesn't change after you send it.

  • Quarterly return on one pageBook movement, borrowers, size bands, interest, arrears ageing and branches. Export to Excel or print.
  • Daily loan bookOpening and closing balance for every day. Backdated changes show as adjustments; the reported figures stay as they were.
  • Interest, both waysInterest earned day by day and interest actually received, by month, product and branch.
  • Arrears ageingCurrent, 1–30, 31–60, 61–90, 91–180 and over 180 days, with your portfolio at risk.
Regulator: "How many loans between Kz 5,000 and Kz 10,000 were paid out this quarter, and what's the total?"
Loans0
Total lentKz 0
Still owedKz 0
Interactive example on a sample book. In PulaLend the answer comes from your own loans, for any dates and any branch.
Secured lending

Lend against collateral, with proper controls

Turn on security for any product. PulaLend enforces the loan-to-value limit when the loan is captured and keeps a record of every item until it's returned or sold.

  • Loan-to-value limits per product, checked before the loan can be saved
  • Photos, serial numbers, valuations and custody for every item
  • Forfeit after the days you set, record the sale and apply the proceeds to the loan
  • Collateral moves to the new loan when a loan is rolled over
Trust

Your book is yours alone

Customer records and money need more than a password. Here's what protects your business.

A private database per businessEach workspace has its own database. Your loans never sit in the same tables as anyone else's.
Sign-in that resists guessingPasswords are securely hashed, and repeated wrong attempts pause the account. Deactivated users are signed out immediately.
A record of who did whatApprovals, overrides, reversals and changes are logged with the user and time.
Branch-level accessStaff see their own branch unless you give them more. Permissions are set by role, not by trust.
Protected formsEvery action carries a security token, so a link or another site can't act on your behalf.
Nothing deleted for late paymentIf a subscription lapses, sign-in pauses after a 7-day grace period. Your data stays until you pay.
Getting started

Live in an afternoon, not a quarter

No installation, no server and no consultant. Open a workspace and start capturing loans.

01Create your workspaceChoose a workspace name and sign in. You get a private 30-day trial with every feature switched on.
02Set it up your wayAdd your letterhead, loan products, branches and staff. Invite each person by email with the right role.
03Go live and keep your dataUpgrade from inside the system. Everything you captured during the trial stays, and so do the trial days you haven't used.
Pricing

One price. Every feature. Nothing else.

One monthly price covers up to 3 branches and as many staff as you like. No hosting fees, no setup fees, no per-user fees, no contract — and cancel any time.

Everything included
  • Unlimited loans and customers
  • Unlimited staff users
  • Approval workflow and limits
  • Loan products, fees and penalties
  • Payments, settlements, rollovers
  • Collateral-secured loans
  • Customer KYC documents
  • BNA quarterly return
  • Daily loan book close
  • Interest earned and received
  • Statements on your letterhead
  • Excel and PDF exports
  • Roles and permissions
  • Email support
PulaLend Standard
Launch price
US$ 55 US$ 40 / month
for up to 3 branches · + US$ 22 US$ 7 a month for each extra branch
Join now and keep this price for 12 months.
In US dollars — that's all you pay
1 Your price: US$ 55 US$ 40 / month
  • No hosting fees
  • No setup fees
  • Unlimited users
  • Cancel any time
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Start with a 30-day free trial. Pay monthly by bank transfer — no contract and no notice period.

Start free trial
Questions

Good to know

Is our data kept separate from other businesses?

Yes. Every business gets its own workspace with its own database. Staff sign in to your workspace only, and nobody from another business can see your customers or loans.

What happens when the free trial ends?

Upgrade from the Plan & Billing page any time during the trial. Your loans, customers and settings carry over, and unused trial days are added before your first paid month starts. If you don't upgrade, sign-in pauses, but nothing is deleted.

How do we pay?

By bank transfer. PulaLend issues an invoice each month in US dollars, and you upload proof of payment in the system. A reminder invoice goes out 7 days before each month ends.

Are there any other fees?

No. The monthly price covers hosting, updates, every feature and every user, for up to 3 branches. If you run more than 3 branches, each extra branch is US$ 7 a month — for example, 6 branches cost US$ 61 a month. There's no setup fee and no contract.

Can we cancel?

Yes, any time, from the Plan & Billing page — no notice period and no cancellation fee. Your workspace stays open until the end of the month you've already paid for, and nothing is deleted: export your lists and reports to Excel whenever you like.

Which countries does it work in?

Botswana, South Africa, Namibia, Zambia, Zimbabwe, Lesotho, Eswatini (Swaziland) and Angola. Choose your country when you sign up: your workspace then runs in its currency (in Zimbabwe US$ or ZiG; in Lesotho and Eswatini the local currency or rand; in Angola kwanza or US$), uses that country's ID numbers (Omang, SA ID, Namibian ID, NRC, Zimbabwe national ID, Lesotho ID, Eswatini PIN, Angolan BI or passport), dials its phone codes and names its regulator — NBFIRA, the NCR, NAMFISA, the Bank of Zambia, the Reserve Bank of Zimbabwe, the Central Bank of Lesotho, the FSRA or the Banco Nacional de Angola — on reports. The app is in English.

Does it produce what the BNA asks for?

It produces a quarterly return (loan book movement, borrowers, loans by size, interest and fees, arrears ageing and branch split), a daily loan book and interest reports, all exportable to Excel. If your return uses a specific template, send it to support@pulalend.com and we'll work with you on matching it.

Can we lend against collateral?

Yes. Switch security on for a product and set the loan-to-value limit, accepted categories and custody rules. Unsecured and secured products can run side by side.

Can we move our existing loans across?

Email support@pulalend.com with a description of your current book and records, and we'll go through the options with you.

Does it work on phones?

Yes. It runs in any modern browser on a PC, laptop, tablet or phone, with nothing to install.

Your next quarterly return could take five minutes

Open a workspace today. It's free for 30 days, and you don't need a card.

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