KYC, ID and KRA-PIN validation, share capital, deposits, dividends, next-of-kin, self-service portal on mobile browser.
Banking solution
Ridge — cloud LMS for Kenyan SACCOs, ready to run in a week
Ridge is a cloud-based loan management system built for Kenyan SACCOs — SASRA-ready, M-Pesa and Pesalink native, IFRS-9 provisioning, free trial at lms.rediansoftware.com.
CMMI Level 3 Appraised ISO Certified 200+ enterprises 5 regional hubs 9+ years of BFSI
Outcomes our customers see
The numbers we move.
Production benchmarks from real deployments — not vendor brochures.
1 week
Time to trial live workflows
Onboard test members, run a real disbursement
2–4 wks
Full go-live from legacy
Data migrated, staff trained, parallel run started
SASRA
Prudential-guideline aligned
SS-1 to SS-9 returns from the same platform
99.9%
Uptime SLA
Kenyan-resident cloud, encrypted, daily backups
What's in the platform
Capabilities, end to end.
A complete module list — designed to remove the gaps where vendor platforms typically leave you in spreadsheets.
- 01
Member management
KYC, ID and KRA-PIN validation, share capital, deposits, dividends, next-of-kin, self-service portal on mobile browser.
- 02
Loan origination
Application capture, guarantor selection with share-book check, credit committee workflow, disbursement via M-Pesa or Pesalink.
- 03
Repayments engine
Check-off ingest, M-Pesa STK/Paybill reconciliation, standing orders, auto-allocation across principal, interest, penalty and insurance.
- 04
SASRA reporting
SS-1 to SS-9 returns generated from live data. Prudential ratios, loan classification and provisioning aligned to SASRA guidelines.
- 05
General ledger
Double-entry accounting with SACCO-specific chart of accounts. Trial balance, P&L, balance sheet, cashflow — audit-ready.
- 06
Cloud-hosted, always-updated
Kenyan-resident cloud, 99.9% uptime SLA, encrypted daily backups. New features and SASRA updates shipped automatically.
Who deploys this
Built for the operating environments we know best.
We've shipped this platform across the most common patterns — find the closest fit to your operating model.
Teachers, government and payroll SACCOs
500–50,000 members, salaried, check-off dominant. Ridge automates deduction ingest and reconciliation end-to-end.
Matatu, boda and transport SACCOs
Daily-collection models, M-Pesa native, agent networks for cash-in. Ridge handles high-frequency low-value transactions cleanly.
Growing DT-SACCOs
Deposit-taking SACCOs that need SASRA-grade compliance, prudential ratios and full audit trail from day one.
Housing and investment cooperatives
Long-tenor loans, share-based membership, dividend mechanics. Ridge configures without code changes.
Small microfinance institutions
MFIs with 1,000–20,000 borrowers looking for a modern LMS at SaaS pricing. Group lending and JLG supported.
Regional SACCOs across East Africa
Uganda, Tanzania, Rwanda and Zambia cooperatives — configurable per-country regulator reporting on the same platform.
Implementation
How a rollout unfolds.
Phased, milestone-driven, with parallel-run safety nets where regulators require them.
- 01Day 1
Start the free trial
Sign up at lms.rediansoftware.com. No credit card. Instant SACCO tenant, sample data, all modules unlocked.
- 02Week 1
Configure & test
Configure your loan products, chart of accounts and branches. Onboard a handful of test members. Run a test disbursement and repayment cycle.
- 03Week 2
Data migration
We extract members, loans and savings from your current system, cleanse and validate, and run three trial migrations before live cutover.
- 04Week 3
Train & UAT
Officer training on Ridge (half-day per role), UAT with real workflows, dry-run of month-end and SASRA report generation.
- 05Week 4
Go live
Cutover on your chosen date. Parallel run with legacy for 30–60 days. Hypercare support throughout.
- 06Ongoing
Run mode
SLA support, quarterly product updates, SASRA-change absorption, new-product configuration when you need it. You focus on members.
Solution overview
In depth — how this platform runs.
The long-form view of capability, architecture and deployment model.
Why Redian
What makes this platform different.
Independent reasons clients pick us over incumbents and over generic global platforms.
Built by a core banking team
Ridge is not a startup SACCO tool. It is our bank-grade LMS platform, re-packaged for the SACCO market. Same audit trail, same reconciliation discipline, same regulator alignment.
Kenyan-resident data
Ridge is hosted in Kenya. Your member data and loan portfolio does not leave the country. SASRA and DPA-compliant by design.
M-Pesa and Pesalink native
Direct Daraja integration, real-time reconciliation, no middleware. Same for Pesalink — instant payouts, no batch delay.
Deployed across Africa
The Ridge platform engine runs behind live banking and MFI deployments in Kenya, Cameroon, Uganda and Zambia. You inherit that hardening.
Proof from production
A deployment that mirrors your use-case.
Real customer · real numbers · real go-live. Most of our work is under NDA — this is one we can share publicly.
BankingAfrica
Core Banking + Digital Channels for a Cameroon-based Bank
Client · Confidential — Cameroon
9 months
Live in production
250,000+
Active customers
−60%
Cost-to-serve
Full core banking modernisation plus mobile, internet and agency banking for a Cameroon-based bank — live in 9 months, now serving 250,000+ customers.
Tech stack
JavaSpring BootPostgreSQLKafkaReactKotlinSwiftAWS
Frequently asked questions
Everything you wanted to ask before the demo.
Don't see your question? Ask us directly →
Is Ridge really SASRA-compliant, or is that marketing?
It's the design brief. Ridge is built to satisfy SASRA's Prudential Guidelines, SASRA Regulations on Deposit-Taking SACCOs, and the reporting formats (SS-1 through SS-9) that supervised SACCOs file. Prudential ratios, loan classification, and audit trail are baked in. We update Ridge whenever SASRA updates the guidelines, and every subscribed SACCO inherits the update on the same day.
How does Ridge handle M-Pesa reconciliation?
Native. Ridge is directly integrated with Safaricom Daraja APIs — Paybill, Till, C2B, B2C, STK Push. Every M-Pesa transaction is auto-matched to a member and to a loan repayment schedule or savings deposit. Reconciliation queues surface only the unmatched exceptions, so your accountant works on the 2% that need attention, not the 98% that don't.
Can I try Ridge before I commit?
Yes — go to lms.rediansoftware.com and start a free trial. No credit card. Real data, real workflows. Onboard a few test members, run a test disbursement, receive test check-off files, generate the SASRA-format reports. Trial data is preserved if you convert to a paid plan.
How long does it take to move from our current system to Ridge?
Most SACCOs are live in 2–4 weeks. Week 1: data cleansing and mapping from your legacy system. Week 2: three-cycle trial migration and reconciliation. Week 3: user training and dry-run. Week 4: live cutover with parallel run for two months. We do this work; you do not need internal engineers.
Where is Ridge hosted?
In Kenyan-resident cloud infrastructure — data does not leave the country. Encrypted at rest and in transit, daily backups with 30-day retention, 99.9% uptime SLA. SASRA inspectors have read-only role-based access via the Ridge audit portal.
What if our SACCO grows past the tier limit mid-year?
You move up seamlessly and are billed pro-rata for the new tier. There is no data migration, no downtime, no re-training — Ridge scales with you.
Do you integrate with our existing bank and mobile money accounts?
Yes. Ridge is pre-integrated with M-Pesa, Pesalink, RTGS/EFT rails and the main Kenyan bank aggregators (Cellulant, Interswitch, Direct Pay Online). If you need a specific integration we do not have yet, we build it as part of onboarding.
What happens to my data if I decide to leave Ridge?
You own your data. On exit we deliver a complete data export in your preferred format (SQL dump, CSV, or your incoming system's native import format) and we do not delete anything for 90 days after cancellation. No lock-in games.
Still figuring it out? Tell us your operating environment and we'll send a tailored architecture and pricing within one business day.
Book a demo See it live
Ready for a tailored Ridge — Cloud Loan Management System for SACCOs walkthrough?
Tell us your regulator, your incumbent system and the outcome — we'll send a demo plan and pricing within one business day.