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A Kent Systems Africa product

Sentebook

Run your money lending business from one screen.

Sentebook keeps track of every client, loan, repayment and shilling. It prints the legal paperwork and keeps each loan within Uganda's money lending law. It was built for licensed Tier 4 money lenders.

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  • Interest cap and loan rules checked on every loan
  • Works offline, on a computer or a phone
  • Your records stay in your own account
Sentebook home screen: money lent out, amounts due today and in arrears, loans to collect today and the latest payments
Sentebook on a phone
Screens show fictional sample data.

Made for how lending works in Uganda

Exercise books and spreadsheets can't warn you that a loan is over the legal limit, or that an instalment is three days late. Sentebook does, every day.

The law, built in

It won't let you save a loan with interest over 2.8% a month, a penalty over half the rate, or total charges over the yearly cap. Interest is always on the reducing balance.

A receipt for every shilling

Every payment gets a numbered receipt at once, showing how it was applied and what's still owed. You can send it to the borrower on WhatsApp.

Mobile money, without retyping

Paste the MTN or Airtel confirmation message. Sentebook reads the amount, transaction ID and sender, and finds the right loan.

Daily to monthly loans

Daily market loans, weekly, fortnightly or monthly repayments. Equal instalments, equal principal, or interest-only with the principal at the end.

Loans

Every loan checked before you save it

As you enter an application, Sentebook shows the repayment schedule, the total cost of credit and a list of legal checks. It flags anything the law doesn't allow before it can be saved.

  • Interest cap of 2.8% a month, on the reducing balance, never compounded
  • Penalties only on overdue principal, and at most half the interest rate
  • ID cards, ATM cards, passports and pre-signed transfers are blocked as security
  • The cooling-off period, early settlement without a charge, and the 60-day wait after a demand notice are all tracked
Loan application form with a live summary of instalments, total interest and cost of credit, and a list of legal checks

Collections

Know who to collect from today

Home shows what's due today, who's late and by how many days, and what came in this month. Each overdue loan has buttons to call the borrower, send a WhatsApp reminder, or record the payment.

  • Instant receipts with the lender's own logo, stamp and colours
  • Reminders go only to the borrower, as the law requires
  • Arrears ageing and portfolio at risk, worked out for you
  • A cash book that includes loans paid out, fees and repayments automatically
A receipt showing the amount received in words, how it was applied to interest and principal, the balance left and the lender's stamp

Clients

Every client, from first enquiry to repeat loan

Each person has one page: their loans, what they've paid, every call, visit and message, and any promise to pay. Sentebook marks a promise kept once the money arrives.

  • A client score from 0 to 100, with the reasons shown, to help decide who to call first
  • Paste a WhatsApp enquiry and the name, phone, business and amount are filled in
  • WhatsApp, SMS and email messages from your own templates
A client's page with their score, amount owed, on-time record, conversation history and a promise to pay

Pipeline

See every loan on its way in

Enquiries move across a board from first contact, through the visit and documents, to approval and pay-out. Drag a card to Application and the loan form opens already filled in.

  • The amount asked for and expected at each stage
  • Deals that have waited too long are highlighted
  • Lost deals keep the reason, so you can see why clients go elsewhere
Pipeline board with loan enquiries in columns from New enquiry to Approved

Insights

Know what next month looks like

See the interest and fees you've earned, and a forecast for the next six months from your repayment schedules and your pipeline. See where good clients come from, and how each member of staff is doing.

  • Portfolio, arrears ageing and income reports
  • Win rate and time from enquiry to pay-out
  • Collection rate and late loans for each loan officer
  • Loan book export with the fields needed for credit reference reporting
Chart of interest and fees earned over six months and forecast for the next six

The paperwork, printed for you

Every document carries your business name, logo, UMRA licence number, stamp and colours. Print them, save them as PDF, or send them on WhatsApp.

  • Loan agreement

    Every term the regulations require: key facts, all charges, security, guarantors, cooling-off, recovery steps, and signature lines for the lender, borrower and witness, with the schedule attached.

  • Receipt

    For every payment, straight away, showing how it was applied.

  • Statement and settlement quote

    What has been paid, and what it costs to settle today, with no early-repayment charge.

  • Clearance letter

    When a loan is fully repaid, releasing the security and guarantors.

  • Demand notice

    Dated, and the 60-day wait before any security can be sold is counted down.

  • Guarantor notice and consent

    Tells the guarantor in writing how much they could owe.

  • Recovery agent notice

    Given to the borrower before an agent contacts them.

Your whole team, each with the right access

Use Sentebook on one computer, or switch on team access so every member of staff signs in from their own phone or computer. Records update live and keep working when the internet drops.

Manager

Everything: approvals, write-offs, cancelled receipts, settings and the team.

Loan officer

Clients and leads, the pipeline, loan applications, reminders and payments.

Cashier

Receiving payments, paying out approved loans and the cash book.

Viewer

Sees everything, changes nothing. For owners, directors and auditors.

  • The database refuses changes a role isn't allowed to make, not just the screen
  • Optional approval control: whoever enters a loan can't approve it
  • Every receipt and action carries the name of the person who did it

Your records stay yours

Borrowers' details are personal data under the Data Protection and Privacy Act, 2019. Sentebook keeps them where you control them.

On one computer

Everything is stored on that computer, with a backup file you export and keep safe.

With team access

Records live in a Google Firebase account in your business's name, in the Johannesburg region, with a copy on each device for working offline. We set it up with you.

No outside AI

The client score and message reading run inside Sentebook. Client data isn't sent to any outside AI service.

Getting started

  1. Free demo

    We show you Sentebook with your own loan products and answer your questions.

  2. Set up

    We add your business details, licence, logo, loan products and staff.

  3. Bring your records

    We help move existing borrowers and running loans in from your books or spreadsheets.

  4. Train your team

    A hands-on session for managers, loan officers and cashiers.

  5. Go live, with support

    Call or WhatsApp us when you need help.

Pricing depends on the number of staff and whether you need team access. Ask for a quote with your demo.

Questions lenders ask

Does it work without internet?

Yes. On one computer it needs no internet at all. With team access, each device keeps working offline and syncs when the connection returns.

What do we need to run it?

A computer or smartphone with an up-to-date web browser such as Chrome. There's nothing to install.

Is Sentebook approved by UMRA?

UMRA licenses lenders, not software. Sentebook follows the published rules: the Tier 4 Microfinance Institutions and Money Lenders Act, 2016, the Lending Conditions Regulations, 2024 and Legal Notice No. 21 of 2024. Each lender still submits its own agreement template to UMRA. Sentebook prints one for you to submit. It doesn't replace legal advice, and we recommend a lawyer reviews your agreement wording before first use.

What if the law changes?

The legal limits are kept in settings and can be updated when the law changes, without rebuilding anything.

Who owns the data?

You do. On one computer it stays on your computer. With team access it lives in an account in your business's name. You can export a full backup at any time.

Is it for SACCOs and banks too?

Sentebook is designed for licensed money lenders. SACCOs, microfinance deposit-taking institutions and banks work under different rules. For those, see what we build for banking and finance.

See Sentebook with your own loan products

Book a free demo. We'll show you how it handles your loans, your collections and your paperwork.

Book a free demo