Device financing, modernised.
Manage underwriting, device locks, and collections from a single operating console built for African lenders.
Active borrowers
8.5k+
On track today
Approval time
<20 min
Digital decisioning
Repayment score
96%
On-time installments
All-in-one infrastructure for device finance
Replace spreadsheets and fragmented apps with automated workflows that keep lenders, agents, and borrowers in sync.
Single operating console
Underwriting, collections, and locking controls live in one workspace.
Smart device security
Trigger remote locks, reminders, and unlocks instantly when payments land.
Collections intelligence
See risk in real time with borrower cohorts, repayment heatmaps, and alerts.
From application to ownership without the chaos.
Each step is orchestrated in the platform so teams spend less time on follow-ups and more on growth.
Step 1
Digitise onboarding
Scan IDs, capture signatures, and submit for automated scoring in minutes.
Step 2
Deploy repayment plans
Configure deposits, grace periods, and notifications tailored to each segment.
Step 3
Delight on completion
Unlock devices automatically, log ownership, and upsell within the same console.
Finance leaders, agents, and borrowers agree.
“We spun up financing in a week. Approvals are quick and our team finally shares the same truth.”
Patricia Mwenda
Retail partner · Dar es Salaam
“Signed today, walked out with a device today. Reminders keep me on track without field visits.”
Hasley Omari
Customer · Arusha
“Collections meetings are lighter—dashboards show who to call before issues snowball.”
Rosemary Sanga
Field officer · Mwanza
Ready to launch or modernise device financing?
Our client success team will help you configure locks, repayment journeys, and reporting tailored to your network.
hello@esnmicrocredit.com