Manage members, savings, loans, accounting, and approvals — all connected, all auditable, all in one place.
Built from the ground up for cooperative finance teams — not adapted from generic software.
Members, savings accounts, loans, repayments, and GL entries stay linked — no re-keying across systems.
Maker-checker approvals, role-based access, and a complete audit trail on every transaction.
Multi-currency, local tax reports, and compliance templates for East and Central Africa.
PAR, arrears aging, provisioning schedules, and cash-flow reports — live, not end-of-month.
Set your own approval chains, escalation rules, and notification triggers — no developer needed.
Branch offices and head office share one database. Consolidations happen automatically.
Start with what you need today. Add modules as you grow — all on the same platform.
Full member lifecycle — onboarding, KYC, savings accounts, deposits, withdrawals, and statements.
Application capture, credit scoring inputs, multi-level approvals, disbursement, and repayment tracking.
Double-entry GL, chart of accounts, journal posting, fiscal year management, and branch consolidation.
Real-time PAR tracking, arrears classification, provisioning matrices, and regulatory exception reports.
Build approval chains and escalation rules visually. Attach workflows to loans, disbursements, and GL journals.
Executive dashboards, branch performance scorecards, and export-ready reports for regulators and auditors.
Manage staff records, access rights, leave requests, and daily attendance — all linked to your finance operations.
Every step is logged, approved, and posted to the GL automatically — so nothing falls through the cracks.
Member submits a loan request. Officer captures purpose, amount, and collateral details.
Credit officer reviews financials, checks guarantors, and scores the application.
Multi-level approval committee signs off digitally — with comments and timestamps.
Loan is disbursed. Repayment schedule generated and posted to member account.
Repayments posted against schedule. Arrears flagged automatically when overdue.
PAR, portfolio aging, and GL entries available immediately — no batch run needed.
Qnox Finance is designed around cooperative finance regulations — with controls built in, not bolted on.
Every critical action requires a second authorised user. No single-operator risk.
Every change is timestamped and attributed — who did what, when, and why.
Granular permissions so tellers, officers, managers, and auditors see only what they need.
Pre-built templates for PAR, provisioning, income statements, and balance sheets.
Before Qnox, our team was juggling three spreadsheets and two systems to get a picture of the portfolio. Now everything is live and connected.
Credit reviews that used to take three days now go through in a few hours. The approval history is right there when auditors ask.
Our board gets the portfolio-at-risk figures in the meeting itself, not a week after. That changes how we make decisions about provisioning.
Tell us about your institution. We'll set you up with a demo and answer any questions your team has.