PesaBridge
Loans & credit

Credit inside the wallet, in seconds.

Launch instant micro-loans, instalment loans and the BridgeBoost overdraft from the same wallet your customers already use, with repayment schedules, penalties and portfolio-at-risk built in.

BridgeBoost overdraft and loans in the wallet

In depth

Define loan products your way: minimum and maximum amounts, flat or reducing-balance interest, daily, weekly or monthly instalments, a processing fee and a late penalty. Instant products approve and pay out automatically; the rest go to a credit officer for approval.

The money moves on the same ledger as everything else: disbursement lands in the customer's wallet, repayments clear the oldest instalment first, overdue instalments are flagged every day and portfolio-at-risk is banded 1–30, 31–60, 61–90 and 90+ days. BridgeBoost adds an overdraft whose limit grows each time a customer repays in full.

Why it matters

Built to be trusted.

  • Flat or reducing-balance interest, with daily, weekly or monthly schedules.
  • Instant products disburse automatically; others go to a credit officer.
  • Portfolio-at-risk aging and daily overdue checks built in.

Outcomes

  • Credit in seconds
  • Portfolio visibility every day
  • No separate loan system
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What's inside

Loans & credit — in detail.

01

Loan products

Amounts, interest method, instalments, fees and penalties, set per product.

02

Instant micro-loans

Approve and pay into the wallet automatically.

03

Repayment schedule

Built at disbursement; repayments clear the oldest instalment first.

04

BridgeBoost overdraft

Covers shortfalls; the limit grows after every full repayment.

Market trader with her phone

Overdraft

Credit that grows as trust grows

BridgeBoost covers a shortfall in the moment and raises the limit each time the customer repays in full.

Real flows

How it works in practice.

Switch between the journeys this capability handles. Each one checks balance and limits, then waits for PIN or biometric authorisation before posting balanced entries to the ledger.

Take an instant loan

Instant micro-loans paid into the wallet, with a repayment schedule built on the spot.

Authorised with PIN or biometric — nothing posts to the ledger until the customer confirms.
  • Balance & limit checked first
  • Validation / authorisation gate
  • Balanced debits & credits posted
Customer
System
CustomerRequest a loan
01
02
System · validatesScore & set the limit
03
SystemShow terms, fees & schedule
Customer · validatesAccept terms — PIN or biometric
04
05
SystemDisburse to wallet
06
SystemCreate the repayment schedule
System · doneLoan disbursed · due dates set
Step Validation / PIN Completed
190+

Countries you can launch in

4

Native apps, one platform

4

Channels — App · USSD · Web · API

100%

Double-entry, always balanced

More of the platform

One core, every capability.

Ready to launch your wallet?

Book a demo and we'll stand up your brand, country and rails — and walk you through the apps, admin and API.

Prefer to talk? Call +254 746 883809