Your lending system tracks loans. CollectHQ helps your team act on them.
CollectHQ helps SACCOs and lenders prioritize overdue accounts, prepare staff-reviewed follow-ups, track promises to pay, and see what still needs attention — without replacing your core system.
Sample demo uses fictional data only. No sign-in, nothing is sent to anyone.
- PrioritizeToday's overdue accounts, most urgent first
- Prepare follow-upsSuggested drafts your staff review and edit
- Track promisesPromises to pay, recorded and followed up
- See what's leftWhat still needs attention, for managers
The loan record is in the system.
The follow-up work isn't.
Core banking and loan systems record balances and arrears well. What usually happens next — who to call first, what was said, who promised to pay and when — tends to live in phones, WhatsApp chats, notebooks and spreadsheets.
- Collectors decide their own call order from long arrears lists
- Promises to pay are noted informally and easily missed
- Managers see the position in month-end reports, after the fact
- Borrower messages vary by officer and are hard to review
An action layer between your records and your team
CollectHQ reads what your lending system already knows and turns it into daily, reviewable collections work. Your core system stays the system of record.
- Loan & arrears dataFrom your core or loan system's exports
- Payment recordse.g. M-Pesa statements you already hold
- Staff & branch structureWho handles which accounts
Ranks overdue accounts so each officer knows who needs attention first.
Suggests a next step and a draft message. Staff edit and approve; nothing sends itself.
Assigns cases, routes hardship and escalations to the right person.
Records promises to pay and flags the ones that are due or broken.
- CollectorsA clear daily list and case history
- ManagersPromises, escalations and what's still open
- LeadershipOperational visibility without waiting for month-end
CollectHQ does not post to, change or replace your core system. There are no ready-made core banking connectors today: how your data is loaded is agreed per lender during implementation.
One overdue account, from list to follow-up
This is the same fictional case you can open in the working sample demo.
- Step 1Prioritized
64 days overdue and no reply to the last two reminders, so it sits at the top of today's list.
- Step 2Draft suggested
A polite reminder in English or Swahili. It never proposes amounts or repayment terms.
- Step 3Staff review
The officer edits, approves or discards it. Nothing is sent automatically.
- Step 4Promise recorded
If the borrower commits, staff record the date and amount.
- Step 5Visible to managers
The promise and the open balance show on the overview.
Hello Daudi, this is a friendly reminder that your Asset finance account has an overdue balance. Please reply to let us know when you can pay, or if you would like to speak to someone.
Guidance: No reply to recent reminders. Consider a call before escalating.
Figures are fictional sample data. In the sample demo, suggestions come from fixed rules, not a live AI model.
Open this case in the sample demoWhat exists today, and what is scoped with you
We keep a clear line between what you can try, what runs in a pilot workspace, and what is configured or still planned.
Working sample demo
- Today's follow-up list, most overdue first
- Suggested reply drafts in English and Swahili for staff review
- Recording a simulated promise to pay
- An overview of what still needs attention
CollectHQ workspace
- Borrower and loan case views with history
- Arrears buckets, promises to pay and payment records
- Escalation board and manager overview
- Roles for lender admins, managers and collectors, each limited to their own lender
- A WhatsApp-style conversation simulator (not connected to WhatsApp)
Scoped per implementation or planned
- Loading your loan data from your system's exports
- WhatsApp Business messaging, sent only after staff approval (planned)
- Matching M-Pesa payments to promises (planned)
- AI-assisted drafting and prioritization (planned)
- A full log of user actions (planned)
Built for regulated lenders, stated plainly
People decide
Drafts are suggestions only. Staff approve every borrower message, and drafts never offer amounts, schedules or terms.
Your core system stays in charge
CollectHQ doesn't change loan balances or replace your core or loan system. It sits alongside it.
Each lender sees only its own data
Accounts are invite-only and limited to one lender. Automated security checks of this run before every release.
No real data in demos
The public sample demo runs on fictional records in your browser. It can't read or send anything.
CollectHQ AI is not a lender, a credit bureau or a certified security provider, and holds no regulatory certification. Data-protection responsibilities are agreed with each lender before any real data is used. Read Trust & Security.
Start with the sample. Scope a pilot together.
CollectHQ is offered as a scoped implementation and pilot, delivered in Kenya by MegaBridge International — not an off-the-shelf subscription. Pricing depends on the scope you agree.
- 1. Guided trial, no real data
Walk through the sample demo with our team using fictional records.
- 2. Scoped pilot
A tailored implementation by MegaBridge International: scope, data loading and success measures agreed together.
- 3. Review together
At the end of the pilot you decide whether to continue, adjust or stop.