A complete banking platform your institution can own. Self-host on your server, or let us manage it. Flat $149/month - no per-account fees, ever.
Who it's for
Kovara is built for every kind of financial institution. Whether you have 50 borrowers or 50,000 members - one platform covers everything.
Replace spreadsheets with a professional platform. Track every loan, automate reminders, and generate investor-ready reports.
Fully compliant, self-hosted platform with audit trails, data residency controls, and regulator-ready reporting.
Member management, share capital, group loans, and dividend calculations - all in one system your team actually enjoys using.
A core banking backbone built for smaller institutions - with double-entry accounting, maker-checker controls, and full white labeling.
Issue and manage SME and commercial loans with KYC checks, credit bureau pulls, collateral tracking, and automated repayment collection.
JLG, solidarity groups, and village banking with joint liability tracking, attendance, collection sheets, and credit committee reviews.
Private Lenders
If you're tracking loans in spreadsheets, chasing repayments manually, or losing visibility as your portfolio grows - Kovara gives you a proper platform without the six-figure setup cost or the 12-month implementation timeline.
Get started →Portfolio visibility
Every active loan, overdue account, and upcoming repayment on one dashboard.
Automated reminders
SMS and email reminders sent automatically before and after due dates.
Borrower portal
Borrowers log in to check balances, schedules, and documents - fewer support calls.
Investor-ready reports
Portfolio performance reports in seconds - for investors, auditors, or your records.
Regulatory compliance
Audit trails, data residency controls, and regulator-ready reports built in.
Multi-branch operations
Manage every branch from one instance. Consolidated reporting across your network.
Maker-checker workflows
Four-eyes approval on disbursements and high-risk actions - required by most regulators.
KYC & credit bureau
Connect your regional provider. Run checks directly from the loan application screen.
Microfinance Banks & MFIs
Licensed MFIs need more than loan tracking - they need audit trails, data residency, and controls that satisfy regulators. Kovara is built self-hosted by default, so borrower data never leaves your infrastructure.
Get started →SACCOs & Cooperatives
SACCOs run on trust. Kovara gives your members a self-service portal where they can see their share balance, loan status, and transaction history - while your team manages the full cooperative lifecycle in one place.
Get started →Share & savings tracking
Full share capital ledger, savings accounts, and dividend calculations - automated at year end.
Group & solidarity loans
Create group loans, track individual obligations, and manage joint liability schedules.
Member self-service
Members view balances, apply for loans, and download statements - no staff required.
AGM & meeting tools
Track attendance, record resolutions, and produce minutes for your annual general meeting.
Everything included
From loan origination to mobile money collections - everything your institution needs, at one flat price.
Full lifecycle from application to closure. Flat and declining balance, multi-tranche disbursement, rescheduling, collateral, guarantors, write-offs, and automated repayment schedules.
Savings accounts, fixed deposits, recurring deposits, and SACCO share capital all in one system. Automated interest accrual, maturity handling, and standing instructions.
Every transaction automatically posts to the general ledger. Chart of accounts, journal entries, trial balance, income statement, and balance sheet - no external accounting software needed.
Borrowers log in to check balance, repayment schedule, and history, upload KYC documents, apply for loans, and download statements - no staff involvement needed.
Collect repayments and disburse loans via mobile money. Your account, your relationship - we don't touch the funds.
Multi-tier KYC (basic - standard - enhanced) with document verification workflows. Pull credit history from your regional bureau directly from the loan application screen.
Four-eyes approval on disbursements, journal entries, and all high-risk actions. Immutable audit log on every change - required by most regulators, built in by default.
JLG, solidarity groups, and village banking with joint liability tracking. Group meetings, attendance, collection sheets, and credit committee reviews all in one place.
Your logo, your brand colors, your institution name throughout the entire platform - including borrower-facing portal and all documents. No Kovara branding visible to your customers.
Portfolio at risk, aging analysis, PAR30/60/90, loan officer performance, and regulatory submissions. Schedule reports to email automatically. Custom SQL report builder included.
Auto-generate loan agreements, disclosure forms, and contracts from templates pre-filled with borrower data. Send for e-signature and store signed copies on your server.
Full JSON REST API with OpenAPI documentation. Webhook events on every major state change. Build your own integrations or connect third-party tools with ease.
Native integrations
17 payment providers built in. Flip a switch and collect repayments the way your borrowers already pay - no middleware, no extra vendors.
Mobile Money
Payment Aggregators - Cards & Mobile
Bank Transfers
Custom Integration
Not on the list? The Generic HTTP adapter lets you connect any payment provider with a REST endpoint - no code changes required.
How we compare
Enterprise platforms serve enterprise budgets. Kovara is built for institutions that need professional software at a price that makes sense.
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Kovara
◆ Kovara
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Competitor
TurnKey Lender
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Competitor
HES FinTech
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|---|---|---|---|
| Pricing model | $149/month flat | Custom quote | Custom quote |
| Per-account or per-loan fees | None - ever | Likely | Likely |
| Transparent public pricing | |||
| Self-hosted on your own server | |||
| Time to deploy | Hours | Days - weeks | Weeks - months |
| Full white labeling | |||
| Built-in double-entry accounting | |||
| Group & solidarity lending | |||
| SACCO share capital management | |||
| No sales calls to get started |
Us vs them
Thinking about switching? We've done the research so you don't have to. Pick your platform for a full head-to-head breakdown.
Cloud-only, enterprise pricing, no group lending, no SACCO support. Strong AI decisioning - but not for your market.
See comparison →Java-based, quote-only pricing, no savings products, no cooperative model. Good workflow engine - but no MFI DNA.
See comparison →Per-account pricing that explodes as you grow. Cloud-only, no self-hosting, no data sovereignty. Built for neobanks, not cooperatives.
See comparison →$1M-20M+ to implement. 18-36 month deployments. Built for commercial banks - not for your institution or your budget.
See comparison →Free to download, expensive to run. No managed hosting, no support, constant IT overhead. The "free" option that costs a fortune.
See comparison →India-first NBFC design. No group lending, no savings passbook, no cooperative model. Requires full ERPNext stack to operate.
See comparison →Per-loan-account fees that scale against you. No origination, no savings, no group lending. US-only integrations. Needs 3-5 extra vendors to match Kovara.
See comparison →Decent MFI coverage but cloud-only, outdated UI, slow to evolve. Kovara ships faster and gives you full data ownership.
See comparison →Don't see your current platform? Email us and we'll add it.
Zero-friction migration
We're building a migration tool that imports your existing data directly into Kovara - no data loss, no manual re-entry, no consultants required.
Your data, intact.
Borrowers, loans, repayment history - everything moves over. Nothing gets left behind.
We do the heavy lifting.
No IT team required. We guide you through the migration from start to finish.
Live before end of day.
Not weeks of implementation. Not months of training. Your team is operational in hours.
Simple pricing
Everything included, regardless of how you deploy. No per-account fees, no usage markups, no sales calls.
+ server costs - bring your own or let us provision one at cost
Choose how you deploy
Self-Hosted
Provision your own server through the built-in server provisioning in Kovara Hub. You're in full control.
Kovara Managed
We provision, deploy, and maintain. Server billed at cost - no markup.
Questions? hello@kovara.io
No demo calls. No sales process. No per-account pricing traps.
Just a complete banking platform at $149/month.