MembersScreening & filings
Watchlist sources, screening matches, STR/CTR reports and the goAML XML export wizard.
Explore Members →
: Run your microfinance like a bank.
Members, savings, shares and the whole loan lifecycle on one ledger. Tellers, loan officers, the credit committee and the regulator all read the same record, from KYC at the counter to IFRS 9 provisioning at month-end.
Free instant access. No credit card required. Priced per member.
Apps in the suite
MFI Core- Members
Savings
Loans
Shares
MFI Accounting
What is inside Loans
The lending app is the deepest module in the suite. Every card below is a menu you will find in the live demo, not a roadmap item.
Appraisal and committee
Applications, pipeline, loan calculator, collateral types, guarantors and committee meetings with a decision trail.
Group lending
Centers, groups, cycles, meetings, social fund, fines, training and officer reports.
Collections
Overdue loans, penalties, demand letters, collection sheets, legal cases and insurance claims, with auto demand-letter and overdue-notice crons.
Restructure, waive, write off
Guided wizards to restructure a loan, waive a penalty, write off, and bulk approve or bulk disburse.
IFRS 9 ECL
ECL staging, macro scenarios, vintage curves, roll-forward, provision adequacy PDF and provision history.
Portfolio reports
PAR analysis and ageing, officer performance, product analysis, collection efficiency, disbursement register, maturity profile, large borrowers and concentration limits.
National ID CardVerified
Loan officers
Onboard a member in one sitting
- Identity documents and KYC checks attached to the member
- Application, approval and activation on one record
- Credit score and CRB report pulled from the same screen
Every channel, one ledger
Digital Banking and Payment Rails are two apps that share the member ledger. A USSD repayment, an instant bank transfer such as PesaLink and a card transaction land in the same books as the teller's cash.
USSD self-service
Providers, a drag-and-drop menu builder, session log and audit trail. Ships a 'USSD: Custom Code Author' role.
WhatsApp and member portal
Conversations, templated messages and portal loan applications.
Internet banking approvals
iBANK pending transfers with OTP, reversal requests and standing instructions that fire when due.
Mobile money, multi-rail
Member MoMo accounts, transaction dashboard and callback log across rails/providers.
PesaLink, RTGS and EFT
New transfer wizard, transactions, disputes, reconciliation and daily camt.053 reconciliation cron.
Cards and open banking
Card requests, hot-list, sponsor processors, third-party providers, consents and API call audit.
One member record, every check attached
Members carries KYC documents, fingerprint enrolment, AML watchlist screening, duplicate detection, credit score and group membership on one form. STR/CTR filings and goAML export sit in the same app, so the compliance officer never re-keys what the branch already captured.
Member form, KYC tab
MembersMembersGroups
Group register with meetings, attendance and contributions for group-lending methodology.
Explore Members →
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Members on the move
Their bank is in their pocket
- Balances on every account, and a new one opened from the phone
- Bills paid with M-Pesa from the same app
- Cards blocked, replaced or re-PINned without a branch visit
Shares, cover and the board
Deposit-taking MFIs and digital banks need more than lending. Share capital, bancassurance and governance are apps in the suite, not add-ons.
Shares
Purchase, rights issue, bonus issue, transfer, buyback, forfeiture, pledges and dividends, with certificates and a share register you can print.
Bancassurance
Quote wizard, policies, claims, underwriters and a commission ledger; drivers for CIC and Britam, plus a generic REST underwriter.
Board and governance
Directors, board meetings, resolutions, quarterly board pack, policy register, conflict disclosures and whistleblower log.
Data Warehouse
Export pipelines to BigQuery, Snowflake, Redshift, S3 Parquet, SFTP CSV or HTTP POST, with lineage per batch.
Teller screens built for the queue
Deposit, withdrawal and transfer wizards post the receipt, the passbook line and the ledger entry in one action. Vaults, tills, cash-in-transit, EOD sessions and reconciliations live in the Cash Office menu; standing orders, interest and maintenance fees run on their own each night.
Teller workbench
SavingsFixed and recurring deposits
FD certificates, maturity profile, interest rate tiers and FD/RD maturity check cron.
Explore Savings →SavingsMobile money unmatched queue
Push deposits that do not match an account wait in a queue with reversal handling and OTP challenges.
Explore Savings →
Pay a billYour phone (M-Pesa)
Small-business borrowers
Repayments that fit a trader's day
- Loan repayments by M-Pesa STK straight from the phone
- Poverty Probability Index (PPI) assessments kept on the member
- Group and individual loans on the same ledger
By the numbers
It runs by itself
Scheduled jobs shipped in the suite. Each tile links to the app that owns it; the numbers below are counts of jobs in the modules, not customer figures.
- Interest, fees, standing orders
- Daily interest calculation, interest posting, standing order execution, dormancy detection, monthly maintenance and minimum-balance fees, FD/
RD maturity check, cheque clearing auto-confirm. - Arrears and provisioning
- Mark overdue schedules, auto PAR classification, penalty accrual, repayment reminders, overdue notices, auto-close fully repaid, auto demand letters.
- AML and privacy
- Daily watchlist screening, daily CTR threshold check, hourly transaction monitoring, document expiry check, auto retention purge.
- Liquidity
- Compute LCR, NSFR and repricing gap, refresh FX exposure, project 90-day cashflow, refresh live cash position, check alarms.
Liquidity the board can see daily
Treasury & ALM computes LCR, NSFR, repricing gap and a 90-day cashflow projection on schedule, refreshes the live cash position from tills and vaults, and prints the ALM committee pack. MFI Accounting adds branch P&L snapshots, accounting periods and a month-end close wizard.
Treasury & ALMRepricing gap, bucket by bucket
Rate-sensitive assets against rate-sensitive liabilities from overnight to five years and over, the gap in each bucket and its sensitivity to a rate move, snapshot by snapshot.
Explore Treasury & ALM →
- Treasury & ALM
Every position by maturity
Each asset, liability and equity position in its maturity bucket and its own currency, flagged when it reprices with rates.
Explore Treasury & ALM →
- Treasury & ALM
Stress testing
Rate shocks of +100, +200 and -100 basis points, deposit run-offs of 10, 30 and 50 percent, 10 and 30 percent devaluations and a contagion shock, each a scenario you run against the positions.
Explore Treasury & ALM →
Audit logStatus: Active → Dormant
Credit and compliance
Every change on the record
- Status changes logged with who, when and what
- An audit trail ready for the regulator and the board
- Reports straight from the ledger, not a spreadsheet
Regulator returns without the spreadsheet
Compliance & Reporting builds each regulator return from a template, screens members against watchlists and files suspicious and cash transaction reports to goAML. It also pulls and pushes credit-bureau files, runs IFRS 9 ECL, keeps the KYC vendor audit log and collects SOC 2 evidence. Country Packs add the return formats for Kenya, Uganda, Tanzania, Rwanda, Ghana and Nigeria.
Compliance & ReportingEvery return is a template
The CBK monthly return, the SASRA monthly and quarterly returns and the BoU monthly statistics sit beside the ratios they draw on, from net interest margin and capital adequacy to LCR, NSFR and PAR, each computed from the books and output as a table or XML.
Explore Compliance & Reporting →
Compliance & ReportingAML and goAML on one screen
Suspicious and cash transaction reports by state, open AML alerts by severity, the watchlist sources and the last goAML submission to the Financial Reporting Centre.
Explore Compliance & Reporting →From member to loan, and back again
Origination, disbursement, repayment and reporting — the same record all the way through.
Application to disbursement, with the committee and the regulator satisfied.
- Member
- Branch
- Credit & risk
- Finance
Stage 1 of 8 · Member
Member onboarded
KYC documents, next of kin, groups and photo capture at the branch or on a tablet.
Members →
In the suite
Purpose-built banking apps, one member ledger
Each app is part of the Bridge MFI Suite and shares the same members, products and general ledger — so a repayment at the branch, on mobile or by standing order lands in the same books.
- MFI Core
- Members
- Savings
- Loans
- Shares
- MFI Accounting
- Treasury & ALM
- Compliance & Reporting
Digital Banking
Payment Rails
Bancassurance
Data Warehouse
Country Packs
Plus the whole BridgeERP platform
The same plan can carry any of these: one login, one database, no integrations to buy. Pick them app by app on the pricing page; every plan already includes BridgeERP Core.
BridgeERP Core
Accounting
Expenses
Invoicing
Sign
Subscriptions
Employees
Fleet
Frontdesk
Payroll
Recruitment
Shift Planning
Time Off
Appointments
Field Service
Helpdesk
Projects
Timesheets
Email Marketing
Events
Marketing Automation
SMS Marketing
Surveys
eCommerce
eLearning
Live Chat
Website Builder
Approvals
Discuss
Documents
Internet of Things
Knowledge
Meeting Rooms
VoIP
Getting started
From first look to go-live
Build your plan
Pick the apps your institution needs — the pricing page shows exactly what your plan will cost, per member, before you commit.
Start your free trial
Your BridgeERP environment is provisioned instantly — no credit card required.
Go live
Bring your member, savings and loan books across with guided data import, then lean on training and support from our team.
Questions
Questions about Bridge MFI Suite
Not covered here? Contact us.
How is the Bridge MFI Suite priced?
Per member, per month, never per staff login: every plan carries unlimited users. The price is a $43.50 monthly platform base plus a member rate that falls as your book grows, from $0.204 a member for the first 500 members to $0.0225 a member above 50,000. MFI Core and Members are the free foundation, and Savings, Loans, Shares, MFI Accounting and Country Packs come at no extra charge; Treasury & ALM, Compliance & Reporting, Digital Banking, Payment Rails, Bancassurance and Data Warehouse each add a share of the member charge. The pricing page builds the exact monthly figure for your member count before you commit.
Can we bring our existing member, savings and loan books across?
Yes. Members ships an Import Members tool and a legacy member number field so old passbook numbers stay searchable. Savings and Loans accept opening balances and live schedules, and the go-live step in our onboarding is a guided data import with your team before tellers touch it.
Does it work with mobile money such as M-Pesa, Airtel Money and MTN MoMo?
Payment Rails is multi-rail: member MoMo accounts, push deposits, a callback log and an unmatched queue with reversals live in Savings. Digital Banking adds USSD, WhatsApp and a member portal so repayments can come in without a branch visit.
Which regulators and returns are covered?
Loans includes regulator classification and returns, such as the Central Bank of Kenya's PG/04 classification and SASRA returns, plus large borrowers and concentration limits. Compliance & Reporting handles credit-bureau pull and push, IFRS 9 ECL runs and KYC vendor audit. Country Packs add localised return formats for Kenya, Uganda, Tanzania, Rwanda, Ghana and Nigeria.
We have several branches. Does the suite handle that?
MFI Core holds branches, zones/regions and branch types. Savings runs a vault, tills, cash-in-transit and EOD sessions per branch; MFI Accounting posts interbranch entries and a daily branch P&L; Loans and Members report by branch. Approval rules and two-person rules are configured centrally.
What happens when the branch loses internet?
BridgeERP is a hosted system, so tellers need a connection to post. Member-side channels (USSD, mobile money, WhatsApp) keep working through the telco, and every transaction that arrives while a branch is down lands in the ledger and the unmatched queue for the teller to reconcile when it reconnects.
How do IFRS 9 provisions get calculated?
Loans carries ECL staging, macro scenarios, vintage curves, roll-forward, provision history and a provision adequacy report. Auto PAR classification runs on schedule, and Compliance & Reporting stores each ECL run so the auditor can see the inputs behind every figure.
What does support and going live look like?
The free trial provisions a full environment with no credit card. When you are ready, our team runs the guided import, trains tellers and officers on the shipped roles (Teller, Officer, Supervisor, Credit Committee, Compliance, Manager, Administrator) and stays on support after go-live. Rollout, hosting and support are agreed with us directly.
Members, savings and loans — one ledger, one suite.
Everything from member onboarding to regulator returns, running on the same books — with a full audit trail behind every posting.