The Complete Core Banking System for Lending Institutions
Empower your micro-finance institution with end-to-end loan management, deposit accounts, treasury operations, and automated MCAG compliance—all in one powerful platform.
Built for micro-credit and microfinance institutions in Ghana
Everything you need to run your institution
From loan origination to regulatory reporting, GxLMS handles it all.
Loan Management
Full loan lifecycle from application to disbursement, repayment tracking, and closure. Supports multiple interest methods.
- Flat, Declining & Reducing Balance
- Auto-debit & Penalties
Deposit Accounts
Manage savings, current, fixed deposits, and mandatory savings accounts with automated interest calculations.
- Multiple Account Types
- Interest Accrual & Posting
MCAG Compliance
Automated quarterly returns with all 6 sections. Real-time PAR analysis and provisioning calculations.
- Auto-generated Reports
- Audit Trail
Treasury & Accounting
Complete general ledger, chart of accounts, trial balance, and treasury management with vault control.
- Double-entry Accounting
- Cash Movement Tracking
SMS Notifications
Keep customers informed with automated SMS for deposits, withdrawals, repayments, and loan status updates.
- Transaction Alerts
- Payment Reminders
Risk & Reporting
Real-time portfolio at risk (PAR) tracking, aging analysis, and comprehensive management reports.
- PAR 1, 30, 60, 90, 180
- Custom Report Builder
Every department, one connected system
No more disconnected spreadsheets and stand-alone tools. Every module shares one ledger, one customer record, and one audit trail.
From sign-up to compliance in four steps
A guided path that takes your institution live—and keeps it compliant.
Onboard
Sign up and configure your branches, products, and chart of accounts with guided setup.
Customers & KYC
Register customers and complete Know-Your-Customer verification before they transact.
Originate & service
Apply, approve, disburse and service loans, deposits and treasury—all posted to the ledger automatically.
Report & comply
Generate MCAG returns, PAR analysis and regulatory reports in minutes, not days.
Built specifically for Ghana's lending sector
Unlike generic banking software, GxLMS was designed from the ground up for MCAG-regulated institutions, with local compliance requirements built into every feature.
Rapid Deployment
Go live in as little as 2 weeks with our guided onboarding process
Bank-grade Security
Role-based access, audit trails, and encrypted data at rest and in transit
24/7 Support
Local support team available via WhatsApp, phone, and email
“GxLMS transformed how we manage our loan portfolio. The automated MCAG reporting alone saves us days of work every quarter.”
Ready to modernize your lending operations?
GxLMS helps lending institutions streamline operations, manage risk, and improve efficiency.