PulaLend takes every loan from application to the last cent collected, with approvals signed off, arrears tracked, collateral recorded and your NCR figures ready when the regulator asks.
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.
Everything you need from the first application to the quarterly return, built around how micro-lenders in Southern Africa actually work.
Maker, checker, approver and disbursement, each one signed off.
Set up each product once and every loan follows it.
Record a payment and it's applied correctly straight away.
Settle early or roll over without arguing about the figure.
Lend against goods, vehicles or title deeds with proper control.
One record per customer, with documents attached.
Give each person exactly the access they need.
Professional paperwork without retyping anything.
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.
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.
Customer records and money need more than a password. Here's what protects your business.
No installation, no server and no consultant. Open a workspace and start capturing loans.
No hosting fees, no setup fees, no per-user or per-branch fees, no contract. Grow the team and the book without the bill growing — and cancel any time.
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.
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.
By bank transfer. PulaLend issues an invoice each month in South African rand, and you upload proof of payment in the system. A reminder invoice goes out 7 days before each month ends.
No. The monthly price is everything: hosting, updates, every feature, every user and every branch. There's no setup fee and no contract.
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.
Botswana, South Africa, Namibia, Zambia and Zimbabwe. Choose your country when you sign up: your workspace then runs in its currency (in Zimbabwe, US$ or ZiG), checks that country's ID numbers (Omang, SA ID, Namibian ID, NRC, Zimbabwe national ID or passport), dials its phone codes and names its regulator — NBFIRA, the NCR, NAMFISA, the Bank of Zambia or the Reserve Bank of Zimbabwe — on reports.
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.
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.
Email support@pulalend.com with a description of your current book and records, and we'll go through the options with you.
Yes. It runs in any modern browser on a PC, laptop, tablet or phone, with nothing to install.
Open a workspace today. It's free for 30 days, and you don't need a card.