Credit & loan-recovery platform
Leepa
Lending made simple, from the first application to the last repayment.
Leepa, from “lipa”, “to pay” in Swahili, is a complete platform for lenders: loan management, repayments, risk reporting and the recovery of non-performing loans, in one place. It fits the way each lender already works instead of forcing a new process on them, and it is offered online or installed on the lender’s own servers.
In development · pilot lenders wanted
The problem
Spreadsheets and slow legacy systems
Loan officers track portfolios by hand, and regulatory reports take days to put together.
Field teams without a connection
Agents write on paper in the field and type it all in again back at the office, with errors and delays.
Recovery without a method
Overdue loans are followed in spreadsheets, with no enforced steps and no record of who did what.
Who it is for · Built for banks, microfinance institutions, savings and credit co-operatives, credit unions and other lenders, as well as the servicers and agencies that recover bad debt. Africa first, in English and French, then beyond.
What it does
The whole loan lifecycle
Customer onboarding and identity checks, loans, repayment schedules, payments and reconciliation in one system.
Recovery that follows a plan
Guided recovery workflows with deadlines and escalation, restructuring, legal steps and collateral, every action on record.
Mobile money built in
Disburse and collect through the mobile-money services borrowers already use, with SMS and WhatsApp reminders.
Works offline, on any phone
Designed for field agents on basic phones and slow networks, syncing when the connection returns.
Risk and regulatory reporting
Portfolio ageing, IFRS 9 staging and provisioning, and the reports central banks ask for.
Smarter credit decisions
Structured credit assessment and configurable scoring that can use alternative data such as mobile-money history.
Built with AI agents, governed by people
Leepa is our proof that AI can speed up serious software without cutting corners. A team of AI coding agents works on it in parallel, inside rules we enforce automatically.
- Every feature is approved by a human before it is built, and must be demonstrable and defensible.
- Tests are written first, and automated quality gates block anything that does not meet the bar.
- Every specification goes through a critical review before a single line of code is written.
- In the product itself: four-eyes approval, a tamper-proof ledger and a full audit trail. Upcoming AI features will assist credit officers, never replace their judgement.
Where we are
Business analysis and the specifications for the core platform are complete, and the core is being built. Next come pilots with a first group of lenders in Central and East Africa, followed by recovery and loan-origination modules.
Join the project
We are looking for people who want to help shape what comes next.
Builders
Engineers, data scientists and designers who want to work on applied AI that has to be right, not just impressive.
Investors
Partners who see the opportunity and want to help the product reach its market faster.
Pilot clients
Organisations ready to try it on a real case, with our team at their side and a direct say in the roadmap.
We keep the inner workings confidential. Demos, technical details and figures are shared in person, under a non-disclosure agreement.
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