CentyCapital LMS

Every lead, tracked from first contact.

🔔 3

Notifications

Dashboard

— View loans ×

— View applications ×

Loan book

—

Borrowers

—

— new

Overdue

—

Collected

—

PAR —

Collections —

Avg score —

Disbursements

Portfolio

Overdue loans

Borrower	Ref	Outstanding	Status

Leads

Total Leads

—

this month

Pending Review

—

awaiting action

Approved

—

converted

Rejected

—

declined

Leads

All 0

Pending 0

Approved 0

Completed 0

Rejected 0

Full Name	Phone	Business Name	Location	Distributor	Source	Status	Action

Applications

Total Applications

—

all time

Pending Approval

—

needs action

Avg Loan Ask

—

KES average

Approval Rate

—

last 30 days

Applications

My queue 0

All 0

Pending 0

Approved 0

Rejected 0

Disbursed 0

0 selected

	Loan Ref	Borrower	Type	Amount (KES)	Interest Rate	Product	Partner	Status	Workflow	Applied	Actions

Special loans

Refinance (§9)

Buy-off (§10)

Reverse buy-off (§11)

Start refinance

Source loan ref

New loan amount (KES)

Product code

—

Loans

Active Loans

—

performing

Overdue

—

need attention

Total Book (KES)

—

disbursed value

Repaid

—

closed loans

Loan Book

All 0

Active 0

Due 0

Overdue 0

Repaid 0

Withdrawn 0

Frozen 0

Written Off 0

Loan Ref	Borrower	KE Number	Amount (KES)	Type	Disbursed	Repayment	Due Date	Ageing	Status	Action

Borrowers

Total Borrowers

—

in portfolio

Active

—

with live loans

Blacklisted

—

restricted

Avg CentyCred

—

credit score

Borrower Registry

All 0

Active 0

Awaiting Activation 0

Inactive 0

Blacklisted 0

Borrower Ref	Name	Phone	KE Number	Loan Limit (KES)	CentyCred Score	Status	Action

Collections

Total Collected (KES)

—

all repayments

Today's Receipts

—

KES received

Completed

—

transactions

Exception queue

—

open items

Receipts

Exception queue

Ageing

Bank recon

Maker-checker

Officers

Demand

M-Pesa repayments

Phone	Amount (KES)	M-Pesa Code	Loan Account	Loan Ref	Mode	Created On	Status

Reconciliation exceptions (§14)

Flagged rows from Data refresh — assign loan ref and Post, or Dismiss.

M-Pesa code	Amount	Borrower	Reason	Note	Loan ref	Actions

Portfolio ageing (§14.1)

Loan	Borrower	Outstanding	Bucket	DPD

Upload bank CSV (date, amount, reference columns).

Loan	Amount	Status

Products

Total Products

—

active products

Avg Interest Rate

—

per month

Max Loan Limit

—

KES ceiling

Partners

—

active lenders

Lending Products

Product Name	Ref	Partner	Max (KES)	Rate / mo	Tenure	Charge	Status	Actions

KYC

KYC Document Types

—

configured

Required Docs

—

mandatory

Optional Docs

—

supplementary

KYC Document Registry

Document Type	Unique Code	Required	Description	Actions

Profiles

Total Profiles

—

registered

Complete KYC

—

verified

Awaiting activation

—

pending KYC / approval

Avg Loan Limit

—

KES allocated

Borrower Profiles

Account Ref	Name	Phone	Distributor	Loan Limit (KES)	CentyCred	Created On	Action

SMS

Templates

—

configured

Sent Today

—

messages out

Scheduled

—

queued

Delivery Rate

—

success %

SMS Communication Centre —

Templates

Scheduled

Sent Log

Template Name	Category	Template Body	Status	Actions

Recipient	Template	Scheduled For	Status	Action

Recipient	Message	Sent At	Status

Data refresh

Import distributor Excel exports and reconcile M-Pesa repayments against open loans.

Preview mode

Last import — —

Rows processed — most recent file

Match rate — auto-matched to loans

Flagged — need manual review

Import wizard

Upload → validate → reconcile

1 Upload Excel

2 Confirm output

3 View results

Drop your Excel file here

or click to browse — distributor payment export

.xlsx .xls max 25 MB

Columns: borrower name, KE number, amount, M-Pesa code, date
Duplicates are flagged before posting to Collections

Preview — rows matched against open loans in ERPNext.

Rows—

Total (KES)—

Date range—

#	Borrower	KE number	Amount	M-Pesa code	Date	Match

Import complete

Matched repayments were posted to ERPNext and will appear in Collections.

Records3

Matched2

Flagged1

Recent refresh history

When	File	Rows	Matched	Flagged	Status	By

Settings

My profile

Policy

Organisation

Documents

Notifications

Security & commission

Go-live

Advanced

Borrower

—

Reference

—

KYC completion

—

Required documents

Organisation

Company identity and branding

Company Name

Primary Currency

M-Pesa Paybill

Integrations

API and external service connections

M-Pesa Daraja API

Checking…

—

ERPNext Backend

Checking…

—

DocuSeal

Checking…

—

Africa's Talking SMS

Checking…

—

Document templates (DocuSeal)

Per-tenant templates — Letter of Ministry is letter_of_ministry. Set docuseal_template_id in Supabase after creating templates in DocuSeal.

Approval delegation

Delegate your approval authority to another staff member for a level or all levels.

Email outbox (§15)

Approval handoffs queue here · flush via SMTP

—

Queued: —

To	Subject	Status	When

Step-up MFA (§15)

Required for write-off, commission approve, and bulk approve. Configure lms_smtp_secret.php / profile phone on server.

Status: — · Phone: —

Code

Security policy (Phase 12)

—

Require login MFA (TOTP) for approvers — enable in Supabase Auth dashboard Step-up SMS for sensitive actions

Commission tiers (§14.5)

Use tier rules instead of flat rate only

Product	Role	Rate	Min disbursed

Phase 7 — UAT sign-off

Complete on staging before production cutover

—

Environment: —

Automated smoke (from repo on server):

./scripts/phase7-uat-smoke.sh
CONFIRM_CUTOVER=yes ./scripts/phase7-prod-cutover.sh

Manual matrix: docs/PHASE7_UAT_SIGNOFF.md

Danger Zone

Irreversible actions — proceed with caution.

Reports

PAR Report

Disbursements

Collection

Pipeline

Commission

Executive

Active Loan Book

—

At Risk (KES)

—

PAR Rate

—

Overdue Loans

—

Overdue Loan Register

Loan Ref	Borrower	Principal (KES)	Repayment (KES)	Overdue Bucket	Status	Action

Total Disbursed

—

Total Loans

—

Avg Loan Size

—

Active Products

—

Monthly Disbursement Summary

Month	Loans	Total (KES)	Avg Size (KES)	Volume

—

Period start

Period end

Runs

Period	Net (KES)	Status

Lines (selected run)

Officer	Loan	Gross	Clawback	Net

—

Total Repayments Due

—

Collected (KES)

—

Collection Rate

—

Outstanding Gap

—

M-Pesa Collection Log

Date	Phone	Amount (KES)	M-Pesa Code	Loan Ref	Status