Features
Every tool your business needs.
Jump to the lifecycle, core tools, accounting, controls, and integrations.
From the first application to the final repayment — and every ledger entry in between.
Want to see it with your own products? Book a demo ↗
Lifecycle
One flow, start to finish.
Each step hands off to the next. No re-typing, no exports, no lost paperwork.
- 01
Apply
Capture the borrower, their KYC details and the loan request.
- 02
Approve
Route each application to the right person for a decision.
- 03
Disburse
Release funds and generate the repayment schedule instantly.
- 04
Repay
Record repayments against the schedule and apply penalties on time.
- 05
Report
Every movement posts to the ledger and shows up in your reports.
Core
Six tools. One login.
The tools that replace spreadsheets, notebooks and reminder calls. Compare plans to see what each one includes.
Loans, end to end
Applications, approvals, disbursements and repayments in one flow. No spreadsheets in between.
Borrower portal
Your customers see their balance, schedule and history — and pay — from their own portal.
Automatic reminders
SMS and email reminders go out before each due date. Fewer late payments, fewer calls.
Built-in accounting
A double-entry ledger with income statement, trial balance and balance sheet. Always balanced.
Reports & analytics
Portfolio, repayment and performance reports on demand. Custom reports when you need more.
Full audit trail
Every action is logged: who did it, what changed and when. Ready for any audit.
AccountingStandard+
Your books balance. Automatically.
Every disbursement, repayment, fee and penalty posts to a real double-entry general ledger — no month-end re-keying.
- Every posting is double-entry — debits always equal credits
- Income statement, trial balance and balance sheet on demand
- A full audit trail on every transaction and change
Trial balance
Sample figures · RWF
| Account | Debit | Credit |
|---|---|---|
| Cash & bank | 12,400,000 | — |
| Loan portfolio | 48,600,000 | — |
| Borrowings | — | 55,000,000 |
| Interest income | — | 7,150,000 |
| Operating expenses | 1,150,000 | — |
| Total | 62,150,000 | 62,150,000 |
Control
Set it up your way.
Configure products, people and branches to match how your institution already works.
Customer profiles & KYC
One profile per borrower with their details, documents and full loan history.
Interest, fees & penalties
Set the rules per product. Invictus calculates them so your income is right.
Isolated tenant data
Your institution’s data is kept separate from every other institution on the platform.
Your own domain
Run your portal on yourbank.invictus.rw or your own domain, in your brand.
Roles & permissions
Decide exactly what administrators, managers and loan officers can see and do.
Multiple branches
Run every branch from one system and compare performance across them.
Integrations
Connected to the systems you rely on.
NIDA, NLA and mobile money come with Standard and above.
National ID (NIDA)
Verify borrower identity against the national ID system during onboarding.
Standard+National Land Authority (NLA)
Check land and property records when you take collateral.
Standard+Mobile money
Connect disbursements and repayments to mobile money.
Standard+See it with your own loan products.
See your own products, rates and approval steps in a private demo. No commitment.