The multi-tenant financial OS for SACCOs and microfinance.
Polymark Ledger runs the entire institution — members, savings, shares, loans and a double-entry general ledger — for one SACCO or a whole network of them, with mobile money built in and certified receipts members can verify.
What Polymark Ledger does for you.
Multi-tenant by design
Host many institutions and branches on one platform, each with isolated data, branding and settings.
Full loan lifecycle
Application, appraisal, approval, disbursement, repayment schedules, arrears and recovery in one flow.
Double-entry accounting
Every transaction posts to the general ledger automatically, with trial balance and financial statements on demand.
Mobile money native
Collect deposits and repayments over MTN and Airtel, reconciled against member accounts without spreadsheets.
Certified e-receipts
Tamper-evident receipts with a verification seal, so members and auditors can confirm any payment.
Audit and controls
Role-based access, maker-checker approvals and a complete audit trail for regulators and boards.
Everything in one system.
Start with the modules you need and switch on more as you grow — all sharing the same data, users and audit trail.
Works with
- MTN MoMo
- Airtel Money
- HobSphere SMS
- Credit Scoring Engine
- Bank transfers
Security built in
- Encrypted connections
- Role-based access and approvals
- Complete audit trail
- Regular backups
Intelligence built into Polymark Ledger.
Applied where it changes a decision or saves a step — and measured once live.
See Polymark Ledger in action.
Book a 30-minute demo with our team. We’ll show you the product, ask about your operations and tell you honestly whether we are the right fit.