Cowally Lite
First month freeStart lending this month. Your first month is free.
Take loan applications with simple forms, let your customers apply, renew and pay from their own portal, and see every loan, payment and balance in one back office that does the math for you. From USD 750 a month.
The problem
Lending on spreadsheets stops working fast
Problem 01
Applications get lost.
They arrive by email and chat, and nobody knows which ones are still pending.
Problem 02
Chasing payments eats your day.
Receipts arrive by text message or WhatsApp, and someone updates the spreadsheet by hand.
Problem 03
Nobody trusts the numbers.
Interest, balances and days late are calculated by hand, and everyone has a different version.
The fix: Cowally Lite puts all of it in one place, and does the math for you.
Your whole lending operation, in one screen
Every loan, every payment and every balance, calculated and up to date. No spreadsheets, no chasing.
- 1Filter loans by status: In review, Approved, On time, Late, Paid off.
- 2Find any customer in seconds.
- 3See each loan's balance, next payment and days late at a glance.
- 4Review and approve new applications from your forms, or create a loan for a customer yourself.
- 1Every loan gets its payment schedule automatically.
- 2Interest is calculated for you.
- 3Balances update after every payment.
- 4Days late are counted on their own.
- 5Change a payment, and everything recalculates.
- 1Receipts your customers upload land in a payments inbox.
- 2Confirm a payment in one click, and the loan's status and balance update.
- 3Or connect a ready-made payment integration and payments confirm themselves, in real time.
- 1Customers are notified when their application moves forward.
- 2They're notified when a payment is confirmed.
- 3They can check their loan's status any time in their portal.
- 1Create as many loan products as your business needs: personal, payroll, emergency, buy now pay later, or your own.
- 2Give each one its own rate, amounts, terms, fees and payment schedule.
- 3Give a customer special conditions, like a preferential rate for a loyal, recurring customer.
- 1Import your customers, loans and payments from Excel.
- 2Cowally Lite builds each loan's schedule and balance from your data.
- 3Your history lives in the system from day one, not in a file.
A portal your customers will actually use
Under your brand, on your website and on their phone. Your customers apply, renew, pay and keep track of their loans without having to call you. Everything they do shows up in your back office right away.
On our domain or yours. The portal can live on our domain, ready to go from day one, or on your own domain, so your customers only ever see your brand. Switch later if you want to.
yourbrand.cowally.comorloans.yourbrand.com
Two ways to get paid, both tracked
Your customer pays the way they already do, by bank transfer or cash deposit.
They upload the receipt in their portal on your website.
You confirm it in the back office with one click.
The loan updates and your customer gets a notification.
Connect one of our ready-made payment integrations, like Stripe.
When your customer pays, the payment is confirmed on its own.
The loan's status and balance update in real time.
Integrations we've already built are free. New integrations, including your own payment provider, are a one-time payment from USD 50.
From your demo to your first loan, in five steps
We start every account with a short demo and set it up together with you.
- Your demoA short call with our team
- Your first loanLive in your back office
Why founders start with Cowally Lite
Set up with you.
No development project: we start with a short demo and set it up together, spreadsheets included.
Built by people who run banking platforms.
Lite runs on the same platform that 13 financial institutions in 5 countries use.
A clear price.
From USD 750 a month, the same everywhere, and your first month is free.
Grows with you.
When you need more, move up to the full Cowally platform without migrating your data.
Simple plans that grow with your loans
Pick a plan by how many loans you manage. Everything else is the same in every plan.
Every plan starts with a free month. Same price in every country, in US dollars.
Every plan includes
- A multi-step application form builder with your brand
- As many loan products as you need
- Special conditions for any customer
- A customer portal, on our domain or yours
- A back office with every loan by status
- Schedules, interest and balances calculated for you
- Payment confirmation and status updates
- Notifications to your customers
- Import from Excel
- Ready-made integrations, like Stripe, at no extra cost
- Setup with our team, starting with a demo
Start here. Grow without starting over.
Cowally Lite is made for businesses starting to lend. Cowally, the full platform, is built for financial institutions (banks, credit unions, savings funds and fintechs) that run their whole operation on it: core banking, savings and payments, customer apps, collections, reports to regulators and integrations, often alongside the core they already have, and set up through an implementation project with our team. When your business grows into that, you move up and add modules; your data stays where it is.
Start here
- For businesses starting to lend
- Loans, a customer portal and a back office
- From USD 750 a month
- Set up with you after a demo
Full platform
- For banks, credit unions, savings funds and fintechs
- Every product and channel, core banking and reports to regulators
- Priced for your institution
- Implemented with your team
Your first loan, on a real system. The first month is on us.
Book a short demo. We'll show you Cowally Lite with loans like yours and set up your account together.