Repayment is part of the design
An anchor settlement, daily takings or a payroll run is a more dependable route to recovery than a reminder sent after a missed date.
Originate to recover, in one place.
Most lenders run application, scoring, disbursement, collection and recovery across separate tools and spreadsheets, and discover the gaps when a portfolio starts to age. Lipaware puts the full lifecycle in one place — and designs repayment into the product rather than chasing it after the due date.
Your credit policy, your rules
Rates, limits, thresholds and approval levels are configured by your team, and every decision records the reason behind it for borrowers, staff and auditors.
One lifecycle, no handoffs
Scoring, disbursement, repayment, arrears and recovery share the same records, so nothing is reconstructed from exports when a loan goes wrong.
Products that fit
Take the one that solves the immediate problem, then add the others onto the same integration.
Lending
Credit Scoring
Consistent, explainable decisions before anyone applies.
Transaction behaviour, repayment history, bureau data and identity checks feed configurable rules that approve, refer or decline with a recommended limit — and record why.
- Configurable rules and thresholds
- Approve, refer or decline with a limit
- Reasons recorded for every decision
Lending
Salary Advance
Payday lending with payroll as the collection.
Employees of approved employers draw part of earned salary before month end. The next payroll run repays the advance, which removes the collection problem from the product.
- Employer-level eligibility and exposure limits
- Mobile application and instant disbursement
- Automatic payroll repayment
Lending
Invoice Discounting and Stock Financing
Working capital tied to a real transaction.
Fund suppliers against approved invoices, or dealers against stock ordered from an anchor supplier, so repayment follows the buyer settlement or daily sales instead of a promise.
- Anchor confirmation before funds move
- Direct supplier disbursement
- Sales-linked collection with direct debit fallback
Lending
Debt Recovery
Structured collections when a loan does go late.
Arrears buckets, contact workflows, promise-to-pay tracking and restructure options, with everything recorded against the same loan record the rest of the lifecycle uses.
- Ageing buckets and queue assignment
- Promise-to-pay and restructure tracking
- Full contact history per borrower
Infrastructure
eKYC and disbursement rails
Onboard and pay out without a second system.
Document, biometric and database identity verification at application, and Single Payments to disburse to a bank account or mobile wallet the moment a loan is approved.
- Document, biometric and database checks
- Sanctions and watchlist screening
- Disbursement to bank accounts and wallets
Prove it, then scale it
Lenders usually replace the weakest part of the lifecycle first, then bring the rest onto the same records.
- 01Start where the portfolio is losing money — most often collections, scoring consistency or manual disbursement.
- 02Load your existing credit policy as configured rules rather than rewriting how you lend.
- 03Run one product end to end, including arrears and recovery, before migrating the book.
- 04Add anchor-based products once you have a partner willing to confirm obligations.
Questions microfinance & digital credit ask
BanksPayments, orchestration and anchor-based lending.Payment service providersCheckout, payouts and provider orchestration.SwitchesWhite-labelled payment products and wallets.Mobile network operatorsWallets, payments and salary or stock finance.Large corporatesPayouts, spend control and supplier finance.
Show us how your money moves
We will map your providers, licences, customer journeys and approval rules to the modules that fit.