Your spreadsheet, answered.
Bring the loan sheet you already keep, or enter borrowers as they apply. Lean ranks who to call today, clears the oldest unpaid instalment first, and prints the receipt.
Free while we're early, with 60 days' notice before we charge.
| Borrower | Days late | Last note | At stake |
|---|---|---|---|
| Farai Moyo (LN-0001) | 53d overdue | No answer yesterday, call guarantor | $235.00 |
| Tendai Banda (LN-0002) | 11d overdue | Promised $80.00 today via EcoCash | $80.00 |
| Rutendo Moyo (LN-0003) | 10d overdue | Disputed fee, statement sent on WhatsApp | $230.00 |
| Chiedza Dube (LN-0004) | 3d overdue | Promised $285.00 by 16:00 CAT | $285.00 |
| Simba Ncube (LN-0005) | 1d overdue | First missed instalment, call today | $170.00 |
How a loan moves through Lean
1. Import or register
Upload your loan sheet with a row-by-row preview, or register borrowers with National ID, KYC documents and guarantors.
2. Draft and approve
An officer drafts the terms, and an admin approves or returns them before the schedule locks.
3. Work the daily call list
Each morning, officers see overdue borrowers ranked worst first, with promises due today and the last note.
4. Receipt, roll over, or close
Payments clear the oldest instalment first and print a receipt; reversals, waivers and rollovers stay on record.
What it looks like
The day's work, most urgent first.
Everyone to call, worst first.
One loan, every charge and payment in order.
Made-up borrowers from a sample lender's book.
How Lean protects your loan book
Walled-off institutions
Every query scopes borrowers, loans, and documents to your institution.
Every change logged
Approvals, payments, reversals, write-offs, and role changes record who acted and when.
ID documents stay private
Uploads live in private storage and open only through short-lived signed links.
Nightly offsite backups
Nightly jobs back up the database to encrypted offsite storage.
Common questions
- Can I bring my existing spreadsheet?
Yes, upload a CSV and Lean previews every row and flags errors before anything is saved.
- Does Lean work in USD and ZiG?
Yes, each institution keeps its book in one currency, such as USD, ZWG (ZiG) or ZAR.
- How are EcoCash, InnBucks, bank and cash payments recorded?
Record the channel and reference of each payment, and Lean prints a numbered receipt.
- What if a payment was entered wrong?
Reverse it formally with a reason; nothing is edited silently, and the audit log shows who acted.
- What does it cost?
Lean is free while we are early, and we give 60 days' notice before we charge.
From the maker
I'm Allan, based in Harare. I built Lean to help microfinance lenders manage their operations, instead of relying on complex spreadsheets. Reach out if you need help moving your sheets in or if something breaks.