ZORVEX helps cooperatives, self-help groups, and small lenders record member savings, issue loans, track repayments, and distribute dividends — all in one clean, reliable platform.
From membership to loans to dividends — the entire finance workflow of a SACCO is covered.
Store member details, contacts, IDs, join dates, and status. Each member gets a savings account automatically.
Admins approve accounts and manage settings. Clerks record transactions. Everyone sees only what they should.
Onboard an existing group in minutes. Import members from a CSV file with a preview step before committing.
Every user manages their own profile. Admins configure organization name, currency, and loan defaults.
Record transactions in seconds. Balances update instantly with atomic, race-safe postings.
Generate printable statements for any period. Opening balance, transactions, and closing balance — verified against the ledger.
Every transaction produces a clean, professional receipt ready to print or save as PDF.
Mistakes happen. Reverse a transaction with a reason — the system posts a counter-entry, keeps the audit trail, and recalculates balances.
Issue loans with flat or declining-balance interest. The amortization schedule is generated automatically and previewed live.
Record payments that allocate to the oldest unpaid installments first. Interest and principal tracked separately.
Extend an active loan with additional principal. The schedule is rebuilt from the remaining balance — history stays intact.
Attach members as guarantors with pledge amounts. Track each member's total exposure and enforce savings-based caps.
Automatic aging buckets (current, 1–30, 31–60, 61–90, 90+ days). See who's late at a glance.
Members buy shares at a fixed face value. Purchases debit their savings automatically and credit the share pool.
See each member's share count, value, and percentage of total capital. Export the full share register any time.
Declare a dividend from a computed or manual profit pool. Eligibility is based on membership duration and shares held.
Approved dividends post straight to members' savings accounts with unique references. Fully auditable and reversible.
Overview, Members, Savings, Loans, and Income reports — all filterable by date range with KPIs and totals.
See savings flow trends, loan portfolios, and monthly activity with clean, embeddable visualisations.
Download any report as a CSV for Excel, accounting, or board reporting.
Pending approvals, upcoming dues, and overdue loans surface automatically on the dashboard.
Every create, update, reversal, and approval is logged with user, timestamp, and IP. Full accountability.
Download a complete SQL dump at any time. Restore in seconds from the same admin panel.
Organization name, currency, interest defaults, share value, and dividend rules — all editable from settings.
Fully responsive. Runs on a desktop in the office, a tablet at a meeting, or a phone in the field.
From registration to your first recorded transaction — the whole flow is quick and clear.
Start a free 14-day trial with your organization name and admin details.
Our team reviews and activates your account, usually within a few hours.
Register members individually or import a CSV. Each gets a savings account automatically.
Log savings, issue loans, sell shares, declare dividends. Reports and statements update in real time.
Join the groups already using ZORVEX to run their savings, credit, and share operations with confidence.
Start 14-day free trial I already have an account