01
Originate
Turn applications into confident decisions. Capture details, verify borrowers and keep approvals moving.
Applications · KYC · Approvals
▌▌ BUILT IN NIGERIA. BUILT FOR YOU.
More lending.
Less paperwork.
The operating system for Nigeria’s lenders.
Bring your lending operations together, so you can focus on moving people forward.
Local workflows Naira pricing Human support
Workspace
AO
YOUR WORKSPACE, AT A GLANCE
New loanPortfolio overview ✦
A clear picture. Better lending decisions.
Total portfolio₦48.2M Across all branches
Active loans1,284 Your portfolio, connected
Portfolio at risk3.8%PAR 30 · Track risk early
Disbursement overview Loan disbursements
₦12M₦8M₦4M₦0
Recent applicationsIllustrative data
BORROWERLOAN AMOUNTSTATUS
AOAda Okafor₦250,000Approved
IBIbrahim Bello₦180,000In review
Everything, connected.From application to repayment.
ILLUSTRATIVE PRODUCT PREVIEW
One clear picture.Every branch. Every loan.
BIG AMBITIONS. LOCAL UNDERSTANDING.
Lending software for the institutions that move Nigeria forward.
CONNECTED FOR MORE
Auto Direct Debit partnering Banks
OPay
PalmPay
Moniepoint
Kuda
Access Bank
Alpha Morgan Bank
Citibank Nigeria
Ecobank Nigeria
Fidelity Bank
First Bank of Nigeria
First City Monument Bank
Globus Bank
Guaranty Trust Bank
Keystone Bank
NOVA Bank
Optimus Bank
Parallex Bank
Polaris Bank
Premium Trust Bank
Providus Bank
Signature Bank
Stanbic IBTC Bank
Standard Chartered Bank Nigeria
Sterling Bank
SunTrust Bank Nigeria
Tatum Bank
Titan Trust Bank
Union Bank of Nigeria
United Bank for Africa
Unity Bank
Wema Bank
Zenith Bank
ONE CONNECTED PLATFORM
Every step of lending.
Finally, in step.
From the first application to the final repayment.
Everything your team needs, working together
in one clear, connected workspace.
02
Manage loans
Individual or group. One branch or many. Keep products, schedules, rates and penalties in sync.
Adashe · Esusu · Ajo
03
Disburse & collect
Keep money moving with coordinated disbursements, collections and timely borrower reminders.
Transfers · USSD · Messaging
04
See & report
Know where your portfolio stands. Track risk, monitor branches and keep a clear audit trail.
Dashboards · PAR · Reporting
Less switching between tools. More moving forward.
SEE THE CONNECTION
One application.
A smoother journey.
See how the pieces come together. Follow an example application from the first details to an organized repayment schedule.
01
Know where you standTrack active loans and disbursements.
02
See risk earlierKeep portfolio-at-risk insights in view.
03
Stay in syncFollow applications across your branches.
EXAMPLE WORKFLOWApplication received
A better first step.
Capture borrower details and keep the application in one place.
BorrowerAda Okafor
Loan productTrader loan
Requested amount₦250,000
Illustrative data · Explore each step
✳ GLOBAL POSSIBILITIES.
LOCAL UNDERSTANDING.
LOCAL UNDERSTANDING.
LOAN APPLICATION
A little progress. A big possibility.#VP-0284
A little progress. A big possibility.#VP-0284
AO
Ada OkaforLagos Island branch
Identity checkedLoan productTrader loan
Loan amount₦250,000.00
RepaymentMonthly
Application statusIn review
34
ApplicationVerificationReviewDisbursement
Built for the field. Connected to your team.
Illustrative application workflowNOT JUST LOCALIZED. LOCAL.
Your way of lending.
Our kind of thinking.
We understand that your lending has its own rhythm and unique approach. VaPicha supports the way your teams and members already work.
- Swift lending models for your business
- Borrower identity workflows for BVN and NIN
- Branch and loan officer visibility
- Low-bandwidth, phone-first experience
- WhatsApp support and guided onboarding
A BIGGER OPPORTUNITY
Millions need credit.
Good lenders need better tools.
Paper files and disconnected systems slow down important work.
We’re here to help local lenders close the gap.
Beyond spreadsheets
Clear records, without scattered files.
Beyond slow decisions
Connected workflows that keep things moving.
Beyond one branch
A complete view of your portfolio.
↗
Better operations for lenders.
More possibilities for everyone.
DIFFERENT LENDERS. SHARED AMBITION.
You help people grow.
We help you do more.
From community savings to national institutions,
find a workspace that fits the way you lend.
01 / BUILT FOR YOUR INSTITUTION
Your branches. Your teams. One clear picture.
Organize loan products, lending teams and portfolio reporting in a single workspace. Give every branch the visibility to make better decisions.
YOUR NEXT CHAPTER STARTS HERE
Room to start. Space to grow.
Straightforward plans. Priced in naira. Built around your ambitions.
Base
A strong start for cooperatives and small lending teams.
₦750,000
/ month- Full Digital Lending
- Internet Banking
- Multi-Loan Recovery Mechanism
- Online and Offline Customers
- Bills Payment
- Correspondent Banking Implementation
- Inward and Outward Transfers
- Data Migration
- And so on...
Base +THE GROWTH PLAN
More possibilities for growing microfinance banks.
₦1,200,000
/ month- Full Digital Lending
- Internet Banking
- Mobile Apps (iOS & Android)
- USSD
- Cards Management
- Branch Management
- Multi-Loan Recovery Mechanism
- Online and Offline Customers
- Bills Payment
- Correspondent Banking Implementation
- Inward and Outward Transfers
- Reconciliation System
- 3rd-party integrations
- Flexible for Scaling
- Data Migration
- And so on...
Enterprise
Built around the needs of national institutions.
Let’s talk
Custom pricing- Unlimited scale
- Single sign-on (SSO)
- Dedicated support
Plans based on supplied company materials. Final fees, features and eligibility confirmed with VaPicha.
A SIMPLE WAY FORWARD
From “let’s do this”
to up and running.
A guided start. A team in your corner.
We’ll help you make the move with confidence.
01
Get connected
Set up your workspace and confirm your institution details.
02
Make it yours
Configure loan products, approval limits and operating rules.
03
Bring your data
Move your borrower records and prepare your existing data.
04
Make your move
Train your team and start managing loans with VaPicha.
TRUST, WITH SOMETHING TO SHOW
Built on security.
Driven by compliance.
Responsible data handling starts with accountability. Inclusive Village Ltd, the company behind VaPicha, is registered with the Nigeria Data Protection Commission.
Registered as a data controller / processor of major importance.
Talk to us about data protection NDPC REGISTRATION Registered
Accountability.
You can verify.
Inclusive Village Ltd
Nigeria Data Protection Act, 2023 · Section 44
NDPR Compliant
PCI DSS CompliantA LITTLE MORE CLARITY
Good questions.
Clear answers.
Choosing a lending platform is a big step. Let’s make the next one feel a little simpler.
Have something else in mind?Talk to a real person
01Who is VaPicha built for?
VaPicha supports Nigerian microfinance banks, cooperatives, fintech lenders, NGOs, MFIs, thrift and savings groups, and growing lending teams. Book a demo to explore how it fits your institution.
02Can we manage both individual and group loans?
Yes. VaPicha supports individual and group loan products, with repayment schedules, rates and penalties. This includes local group lending models such as Adashe, Esusu and Ajo.
03How do we move from spreadsheets?
Onboarding includes setting up your workspace, configuring products and operating rules, preparing your borrower records, and training your team. Your demo is a good time to discuss your existing data and migration needs.
04Are the plans priced in naira?
Yes. Base is listed at ₦750,000 per month; Base + at ₦1,200,000 per month. Enterprise pricing is tailored to your institution. Confirm final fees, features and eligibility with the VaPicha team.
05What support is available for our team?
On-site support, Email Support, Call, and WhatsApp support
06What happens when I request a demo?
Complete the short form to send your request to our business team. You can also email business@vapicha.africa directly.
LESS FRICTION. MORE FORWARD.
The next chapter of
your lending starts here.
Tell us about your institution.
We’ll show you what’s possible with VaPicha.