Simple software for SACCOs, money lenders, savings groups and boards. It works on an ordinary phone, in your language, even when the network is weak.
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The real app, start to finish: a payment, its WhatsApp receipt, who is late, and closing the day.
Nothing to install. Our team helps you move your paper book across.
We set up your organisation's code: SACCO, money lender, savings group or other.
Add members one by one, paste a list, or import a whole file with today's balances.
Every payment gets a WhatsApp receipt. Borrowers get reminded before they are late.
Count the cash, mobile money and bank. saldo shows if you are over or short.
Record any payment in seconds. The member gets their new balance on their phone straight away.
Every morning saldo reminds borrowers who are due or late, straight from your books. No call lists, no staff time.
Daily, weekly, monthly or quarterly loans, flat or reducing balance, with the schedule worked out for you.
actas listens to your meeting and gives you the minutes, the decisions and who does what, in English, Luganda, Runyankole or Kiswahili.
Put one phone on the table, or meet online inside actas. Guests join by a short link, with no account and no app.
A transcript, a summary and board-ready minutes, with the decisions and an action plan with owners and dates.
Each kind of group gets its own payment types, loan products and staff roles from day one.
Savings, shares and loans for hundreds of members, with every staff member in step.
Clients, capital and repayments, daily to quarterly, with reminders that keep the money coming back.
Shares at each meeting, the welfare fund, fines, loans from the box and the year-end share-out.
Contributions, welfare and loans for associations and cooperatives.
Contributions and payouts that every member can see clearly.
With actas: meeting minutes, decisions and action plans, in the language of the room.
Each starts with a free trial, and our Uganda team sets it up with you.
Books that balance, every day.
From meeting to action plan.
Every organisation starts with 30 days free. No setup fee. Reminder SMS and calls are paid separately from prepaid credit, only when you use them.
Boda associations, cooperatives and investment clubs are on the Small SACCO plan. actas: ask us for a quote.
Yes. Record payments and loans with no connection; saldo keeps them on the phone and shares them with the rest of your team when the network comes back.
No. Receipts go by WhatsApp or SMS, and reminder calls reach any phone, even a basic one. Only your staff use the app.
From prepaid reminder credit that you top up through integrat: from UGX 50 per SMS and UGX 400 a minute for answered calls. Unanswered calls are not charged. Reminders are off until you switch them on, and you set a daily limit.
Yes. Import members with today's savings, shares, welfare and loans from a file, or enter opening balances, and our team helps you do it.
Each person signs in with their own invite and role (director, manager, cashier, loans officer, viewer). Entries are never rubbed out, and every entry shows who recorded it.
Each organisation has its own space, PIN lock on every phone, and you can print or export your records at any time. We follow Uganda's Data Protection and Privacy Act.
Tell us about your SACCO, lending business or group, and we'll set it up with you.
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