Boctrust MFB Digital Lending Platform

Boctrust MFB needed to move their entire lending operation online. Their staff were drowning in paperwork, loan approvals took days, and customers had no way to track their applications. We built them a complete digital lending platform that handles everything from the moment a customer walks in to the final repayment. The customer-facing side lets borrowers apply for loans, upload KYC documents, snap a photo for identity verification, and track their application status in real time. Behind the scenes, loan officers review applications through a multi-stage approval workflow. Credit analysts pull reports from two Nigerian credit bureaus with a single click. Operations staff manage disbursements and monitor repayments across three different collection channels. We integrated directly with Nigeria's banking infrastructure NIBSS for BVN verification and direct debit mandates, BankOne for core banking operations, and Remita as an alternative payment gateway. The system runs automated background jobs that flag overdue loans, update collection statuses, and calculate repayment schedules without anyone lifting a finger. The admin dashboard gives management full visibility into their loan portfolio with charts, exportable reports, and real-time notifications. Staff roles and permissions keep sensitive operations locked down. The platform also includes a public-facing website with a blog, career portal, product showcase, and contact system everything a modern microfinance bank needs to operate and grow. The result is a platform that cut loan processing time dramatically, reduced manual errors, and gave Boctrust's customers a modern banking experience they can access from anywhere.