Microfinance Suite

Run faster. Collect smarter. Grow bigger.

Twist ERP brings every step of microfinance—onboarding, lending, collections, savings, welfare and compliance— into one AI-driven platform. No scattered tools, no visibility gaps, just one place to see how your portfolio is performing and what needs attention.

Digitize your core processes, reduce manual work, and give management real-time control over risk, growth and branch performance.

See how it helps you run faster Talk to a product expert

Twist ERP microfinance control center dashboard

Four ways Twist transforms your microfinance operations

From speed and collections to visibility and scalability, the suite is built to support both day-to-day work and long-term growth.

Run faster with end-to-end workflows

Connect every step-from member onboarding to compliance-so teams move quicker, approvals don't get stuck, and branches aren't slowed down by paperwork or manual handovers.

Collect smarter with AI-driven insights

Use real-time risk alerts, automated reminders and portfolio dashboards to improve recoveries, reduce delinquency and focus field efforts where they matter most.

See more with branch-level visibility

Get live views of lending, collections, PAR, portfolio quality and cash flow by branch, region or officer, so leadership always knows what's happening on the ground.

Grow bigger with no-code flexibility

Launch new products, tweak rules, adjust workflows and update reports without waiting for developers-so the system can keep up as your MFI expands and diversifies.

Cover the full microfinance lifecycle in one system

Twist ERP aligns with how your operation actually works—following the real journey from member onboarding to reporting and compliance.

Step 1

Member onboarding

· Member registration with complete profiles.
· KYC / NID validation workflows.
· Group formation and meeting management.
· Guarantor, family and household details.
· Clear organizational hierarchy (branch, center, group).

Step 2

Loan proposal & lending

· Product creation with a few guided steps.
· Configurable rules and eligibility checks.
· Multiple loan products for different purposes.
· Structured loan proposals with required data.
· AI-assisted scoring to support decisions.
· Multi-level approvals and collateral tracking.
· Disbursement via cash, bank or wallet.

Step 3

Collect repayments

· Auto-generated repayment schedules.
· Mobile entry for collections in the field.
· Option for digital wallet / MFS collections.
· Maker–checker controls where required.
· Loan aging and PAR views at all levels.
· SMS / email / notification reminders.

Step 4

Savings

· Flexible savings product creation.
· Digital collection of savings at meetings or via channels.
· Term, recurring and benefit schemes supported.
· Automated interest calculations and posting.

Step 5

Protect members & portfolio

· Welfare and insurance integration.
· Death benefit payouts to beneficiaries.
· Loan write-off flows for disability or illness.
· Emergency fund management and tracking.

Step 6

Report, analyze & comply

· Real-time dashboards for portfolio and cash flow.
· Portfolio analytics by branch, segment or product.
· Branch and officer scorecards.
· Regulatory reporting with audit trails.

Empower field teams anywhere, anytime

Frontline staff are at the heart of microfinance. Twist ERP helps them stay informed, efficient and compliant, without drowning them in admin.

Real-time insight & planning

· Real-time view of collections, performance and field activity.
· Smart visit planning and route optimization.
· Automated delinquency alerts for at-risk accounts.

Documentation, performance & compliance

· Capture interactions, photos and signatures digitally.
· Track performance and incentives for field officers.
· Built-in checks to support regulatory and internal compliance.

Adapt faster than the market changes

Products, regulations and member needs evolve. Twist ERP gives you a no-code and AI layer so you can move quickly without losing control.

Launch & change products quickly

· Create new loan and savings products in minutes.
· Adjust eligibility rules and pricing without code.

Design workflows visually

· Drag-and-drop workflow designer for approvals and processes.
· Policy and rule engine to enforce how decisions are made.

Get the exact reports you need

· Build custom reports and dashboards without SQL.
· Configure alerts and notifications on key thresholds.

AI as your portfolio co-pilot

· Ask questions in plain language about portfolio health.
· Let AI highlight trends and unusual patterns.

No developer dependency

· Most changes can be handled by trained business users.
· IT focuses on stability and integrations instead of endless change requests.