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Micro-finance System
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Micro-finance System · Available now

Keep each lending decision tied to its evidence.

Micro-finance System keeps borrower eligibility, requested principal and application ownership together. A Credit Officer prepares the application for an organization and borrower, attaches supporting material and submits a revision for independent review.

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  • No per-user fees
  • Manual work is free
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OverviewPending Provider Outcome
Micro-finance System · Loan applications

Pending Provider Outcome

Loan applications in one list

New loan application
Loan applications in view
6
Submitted
3
Pending
3
Submitted3
Market stall expansion loan for Amina YusufLN-2026-00418
02 Nov
Seed purchase loan for Lila MorenoLN-2026-00452
21 Oct
Delivery tricycle loan for Daniel BakoLN-2026-00483
18 Oct
Add
Pending3
Sewing machine loan for Peter OseiLN-2026-00431
19 Oct
Grocery stock loan for Priya NairLN-2026-00467
20 Oct
Poultry feed loan for Rosa CastilloLN-2026-00502
16 Oct
Add
Market stall expansion loan for Amina YusufLoan applications · LA-20949
Submitted
Submitted at02 Nov
Provider instruction IDLN-2026-00418
CounterpartyDaniel Bako
Review applicationLA-20949 · Market stall expansion loan for Amina Yusuf

Independent Credit Approver decides against the application revision.

Waiting for Independent Credit Approver
ApproveReturn
Example screen with sample data
Tables, ready to use
15
Saved views
12
Roles with set permissions
5
Reports and dashboards
8
Features

Follow every lending request

Every feature works on the same records. Pick one to see the screen your team works in.

Borrower and organization records

Keep borrower eligibility and organizational scope clear before an application starts.

  • Organization scope
  • Borrower identity
  • Eligibility context
  • Organizations
  • Borrowers
  • Team members
  • Users
  • Loan applications
Explore borrower and organization records
OverviewActive Borrowers
Micro-finance System · Borrower and organization records

Active Borrowers

Borrowers

New
NameCodeContact nameEligibility noteOrganization
Amina YusufBOR-2026-0018Amina YusufSix on-time group repaymentsSouthbank Lending Network
Peter OseiBOR-2026-0024Peter OseiSeasonal income verifiedMeadowpath Finance Society
Lila MorenoBOR-2026-0031Lila MorenoGuarantor letter reviewedSouthbank Lending Network
Priya NairBOR-2026-0042Priya NairExisting loan fully repaidCrestview Community Capital
Daniel BakoBOR-2026-0057Daniel BakoMarket permit confirmedBrightfield Borrower Services
6 of 6 records
Amina YusufBorrowers · BRR-34001
CodeBOR-2026-0018
Contact nameAmina Yusuf
Eligibility noteSix on-time group repayments
OrganizationSouthbank Lending Network
Example screen with sample data
Process

From borrower to repayment

From borrower review to repayment evidence ships ready to use. 2 steps need a named approval before the work moves on: Review application (Independent Credit Approver) and Review collection run (Independent Credit Approver).

Drag a card to another stage, or focus it and use the arrow keys. It updates to match the stage.

  1. Check borrower eligibility

    Confirm the borrower and operating organization.

    Market stall expansion loan for Amina YusufLA-20949 · App Administrator
    Check borrower eligibilityBy App Administrator

  2. Prepare application

    Record the amount, owner and supporting material.

    Market stall expansion loan for Amina YusufLA-20949 · Credit Officer
    Prepare applicationBy Credit Officer

  3. Review application

    An independent reviewer decides on the submitted revision.

    Market stall expansion loan for Amina YusufLA-20949 · Independent Credit Approver
    Review applicationBy Independent Credit Approver
    ApprovalIndependent Credit Approver decides against the application revision.

  4. Submit provider instruction

    Keep the provider instruction identity with the application.

    Market stall expansion loan for Amina YusufLA-20949 · Credit Officer
    Submit provider instructionBy Credit Officer

  5. Review collection run

    Decide on the submitted collection revision and evidence.

    Market stall expansion loan for Amina YusufLA-20949 · Independent Credit Approver
    Review collection runBy Independent Credit Approver
    ApprovalIndependent Credit Approver decides on the submitted run revision.

  6. Reconcile repayment evidence

    Compare provider events with account positions.

    Market stall expansion loan for Amina YusufLA-20949 · Credit Officer
    Reconcile repayment evidenceBy Credit Officer

Start with Application review

Inside a record

Connect provider evidence

Open any loan application to see its application evidence, the roles that work on it, its process stages and its approvals on one page.

  1. 1
    Record details

    Submitted at, Provider instruction ID and Counterparty.

  2. 2
    Application evidence

    Each line is linked to this loan application.

  3. 3
    Who works on it

    Credit Officer and Collector, each with their own permissions.

  4. 4
    Process stages

    Prepare application, with the role that acts.

  5. 5
    Approvals

    Review application and Review collection run, with who decides.

Pending Provider OutcomeMarket stall expansion loan for Amina Yusuf
Micro-finance System · Loan applications

Market stall expansion loan for Amina Yusuf

LN-2026-00418 · Submitted

Log activity
1
Record details
Submitted at02 Nov
Provider instruction IDLN-2026-00418
CounterpartyDaniel Bako
2
Application evidence

Market stall expansion loan for Amina Yusuf

RevisionProvider event IDReceived at
960EVT-2026-1014-01819 Oct
940EVT-2026-1014-02120 Oct
890EVT-2026-1015-00620 Oct
Application evidence
6
Total revision
4,480
3

Who works on it

  • Credit OfficerManage group collection runs, loan applications, record…
  • CollectorManage group collection runs
4

Process stages

  • Prepare applicationCredit Officer
5

Approvals

  • Review applicationIndependent Credit Approver
    Approved
  • Review collection runIndependent Credit Approver
    Waiting
Example screen with sample data
Approvals

Keep credit decisions independent

Independent Credit Approver records a decision against the revision under review and does not approve their own submission.

OverviewApprovals
Micro-finance System · Overview

Approvals

Signed in as Independent Credit Approver

Waiting for you

4 To review1 Overdue2 Decided todayOnly mine
0 selectedApproveReturn
  • GCR-86016Amara Nwosu
    Poultry feed loan for Rosa CastilloRequested by Independent Credit Approver
    Submitted1dActions
  • GCR-10546Diego Salazar
    Delivery tricycle loan for Daniel BakoRequested by Independent Credit Approver
    Submitted3dActions
  • GCR-69648Fatima Diallo
    Workshop tools loan for Samir KhanRequested by Independent Credit Approver
    Submitted3dActions
  • GCR-25280Rohan Mehta
    Fish vendor cooler loan for Grace MwangiRequested by Independent Credit Approver
    Submitted4dActions

Who approves what

DecisionApprover
Review applicationAn independent reviewer decides on the submitted revision.Independent Credit Approver
Review collection runDecide on the submitted collection revision and evidence.Independent Credit Approver
2 approval rules · set per role in Proto
Example screen with sample data
Who can approve what
Roles

A workspace for each role

Everyone opens Micro-finance System to the work that is theirs. Pick a role to see what it starts with.

Independent Credit Approver

Review eligible application revisions independently and reconcile operational evidence. Approve or reject through guarded actions only; no unrestricted editing of protected or executed records; a reviewer cannot approve their own submission.

This is the first screen this role sees.

OverviewApplication Status Board

Application Status Board

Loan applications · Independent Credit Approver

Draft1
Market stall expansion loan for Amina YusufRosa Castillo
Add
Under Review1
Sewing machine loan for Peter OseiSamir Khan
Add
Approved1
Seed purchase loan for Lila MorenoPeter Osei
Add
Submitted1
Grocery stock loan for Priya NairRosa Castillo
Add
Pending1
Delivery tricycle loan for Daniel BakoPeter Osei
Add
Example screen with sample data

Roles and permissions

Reports

See the work that needs attention

Trace application status, collection outcomes and repayment exceptions.

Overview
Micro-finance System · Overview

Micro-finance System dashboard

This quarter

Group collection runs in view
6
Total collected USD
2,270
Draft
2
Submitted
1

Loan applications by status

How far records got this quarter

StageReachedStep
Draft48
Under Review1940%
Approved421%
Submitted125%

Number of loan applications by status

Sample counts per stage

200
-50Draft
-60Under Review
20Approved
20Submitted
20Pending
Example screen with sample data
  1. 01Application pipeline

    Group loan applications by Status and sum requested principal USD for each Organization.

  2. 02Borrower eligibility register

    Show active Borrowers and their eligibility note by Organization.

  3. 03Credit decision history

    Read each loan applications record with its review decisions, source revision, Decision and decided at.

  4. 04Provider outcome register

    Compare submitted at, Status and provider instruction ID for submitted loan applications.

  5. 05Collection run outcomes

    Compare Status and collected USD by Collector and Organization.

  6. 06Repayment exceptions

    Show Repayments with State, received USD, received at and loan account.

  7. 07Account positions

    Read each loan accounts record with its dated repayment schedules and ledger USD.

  8. 08Operation exceptions

    Show operation receipts by result state, Action and failure reason.

All reports and dashboards

Who it's for

For lending operations teams

See how Micro-finance System fits your kind of team.

Community lending teams

Run borrower requests and collection reviews with clear ownership.

Multi-organization lenders

Keep borrower, staff and lending records within the right operating entity.

Loan servicing teams

Trace repayments and account positions back to their original lending decision.

Controls

Trace decisions and effects

Each stage, from borrower review to repayment evidence, names the role that acts and the status it records, so a change is never anonymous.

OverviewFrom borrower review to repayment evidence
Micro-finance System · Process

From borrower review to repayment evidence

Each stage, the role that acts and the status it records

Process stages
10
Approval steps
2
Roles involved
4
Tables touched
11
Review applicationApproval
Independent Credit Approver
StatusUnder Review → Approved
RecordsReview decisions
Submit provider instruction
Credit Officer
StatusApproved → Submitted
Observe provider outcome
Credit Officer
StatusPending → Confirmed
RecordsApplication evidence
From borrower review to repayment evidence
  1. Start
    Review applicationUnder Review → Approved
    Review decisions
  2. Step
    Submit provider instructionApproved → Submitted
    Credit Officer
  3. Step
    Observe provider outcomePending → Confirmed
    Application evidence
  4. Step
    Prepare collection runDraft → Submitted
    Group collection runs
  5. Approval
    Review collection runSubmitted → Approved
    Independent Credit Approver
Example screen with sample data

See each stage in detail

AI agent

Work with Proto

Give each lending role help with records and exceptions while keeping decisions with people.

It can

  • Credit Officer: Find applications awaiting review, check their borrower and owner links, and prepare a summary of attached evidence.
  • Independent Credit Approver: Present the submitted revision, borrower context and prior decision history for a human decision.
  • Collector: List submitted collection runs with their parent application and reported amount.
  • Auditor: Trace a provider event through its application, account, decision and operation receipt.

Stays with a person

  • Proto can organize the records and point out a mismatch.
  • A person with the right authority decides whether to approve a loan application or collection run.
  • A provider event establishes an external result only after its identity and evidence are checked.
  • Membership administration does not grant credit authority.

Set up an agent

Integrations

Connects to the tools you use

Set up connections through ERP.AI and Proto workflows, with every change logged.

  • Micro-finance System
  • Lending provider
  • Provider position feed
  • Provider event feed
Data model

Your data, in tables you can change

Every record lives in a table you can see, extend and export. Add fields or whole tables in Proto.

Browse all 15 tables
15tables
  • Borrower and organization records5
  • Loan application preparation6
  • Independent credit review6
  • Provider and account records6
  • Group collection runs6
  • Repayment and evidence review7
Implementation

Roll out one team at a time

Start with one team and one process, then add the rest once the basics are running.

  1. Choose the pilot

    Select an operating organization, active borrowers and the people who will prepare, review and audit applications.

  2. Set ownership

    Confirm borrower codes, organization membership, application owner and collection responsibility.

  3. Agree decision rules

    Define what evidence the Independent Credit Approver needs, how revisions are handled and when a request returns for correction.

  4. Connect provider outcomes

    Identify the instruction, event, account and snapshot references that will enter the records.

  5. Rehearse the cycle

    Test an approved application, a declined one, a collection run and a repayment exception with the responsible people.

Read the implementation plan

Pricing

$0per user

The base account and everyday work in the ERP.AI app are free, for every user.

  • No per-user or per-seat fees
  • Viewing, editing, approving and exporting records in the app is free
  • Pay only for machine work: API calls, imports, workflows and AI agents
  • Prepaid credits from $5. Purchased credits never expire

Pricing details

Machine work rate card Included per $1 of credit

Machine work rate card
UsagePer $1
Record reads (list, filter, get)20,000
Search or aggregate queries4,000
Record writes4,000
Imported or synced records200,000
Workflow runs2,000
AI agent runs2,000
Scheduled jobs or webhooks20,000
File uploads (MB)2,000
CSV or PDF exports100
FAQ

Questions, answered

Scope, rollout and pricing for Micro-finance System.

All questions
How do I get started?

Click Get started, then use Proto to configure Micro-finance System for your business. Begin with an operating organization, active borrowers and a representative application that can move through independent review.

Who prepares a loan application?

The Credit Officer prepares the borrower, amount, owner and supporting material. The application keeps the current revision and status visible for the reviewer.

Who decides whether an application is approved?

The Independent Credit Approver records a decision, reason and source revision. The preparer and reviewer are separate people.

What happens after approval?

The team follows the provider instruction identity and waits for verified confirmation or settlement evidence before treating the application as confirmed.

How are group collections reviewed?

The Collector prepares a run against its parent application. The Independent Credit Approver reviews the submitted revision and supporting evidence before deciding.

When is a collection run complete?

Completion follows the provider authority and evidence for the run. An approval decision alone is a different point in the process.

How does the team investigate a repayment?

The Credit Officer compares the provider event identity, received amount and date with the loan account, application and dated provider position.

What can the Auditor see?

The Auditor follows authorized evidence and reports in a read-only scope, including decisions and operation receipts.

How are repeated actions handled?

An operation receipt carries a stable key and the references to its effects. Staff check those effects before treating a repeat as a new action.

Set up Micro-finance System your way.

Start free, then use Proto to change fields, steps and approvals before your team goes live.

Start now Download Proto

How to get started

A personal agent for your business

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