STEP 01~5 min
Create your account
Sign up and verify your business in minutes. No credit card required during your free trial.
Email + OTPNCR numberFounder details
Founder offer — R829/month locked for 12 months for NCR-registered microlenders signing up before 31 August 2026.
Sign up →AI-Powered · Built exclusively for SA Microlenders
The lending platform that
runs your entire operation
Applications, loans, NCR compliance, AI credit scoring, borrower portal — all in one intelligent platform built for South African microlenders.
No credit card required · 14-day free trial · Setup in 5 minutes
mali.vulacheck.com/dashboard
Dashboard
Applications
Loans
Borrowers
Reports
Finance
Settings
Active Loans
47
R 284,500
This Month
R 28.4k
12 loans
Repayment
94.2%
↑ 2.1%
Monthly Disbursements
Repayment Trend
500+
Loans managed
100%
NCR compliant
R 0
Setup fee
5 min
To go live
Everything your lending business needs
Intelligent Credit Analyst
AI Credit Scoring
VulaCheck AI analyses every application against affordability, bureau data, and your own risk criteria in seconds. Full PDF report included.
Regulatory
NCR Compliance Built In
Auto-generate Form 39, Form 40, affordability assessments, and NCR-compliant decline notices. Zero manual work.
Branding
White-Label Borrower Portal
Your logo, your colours, your domain. Borrowers apply and manage loans under your brand — not VulaCheck's.
Finance
Complete Financial Reports
Income statement, balance sheet, cash flow, and portfolio reports. Export to PDF or Excel for your accountant.
Collections
DebiCheck & Collections
Manage DebiCheck mandates, track arrears by band, and automate SMS payment reminders with BulkSMS.
Operations
Multi-Branch Support
Run multiple physical branches from one account. Branch-level reporting, borrower assignment, and loan tracking.
HOW IT WORKS
Get started in 3 steps
From sign-up to first disbursement, most lenders go live the same day.
STEP 02~15 min
Configure your portal
Upload your branding, set up loan products at NCR-compliant rates, and invite your team.
BrandingLoan productsTeam invites
STEP 03Same day
Start lending
Publish your borrower portal and start processing applications with full audit trails from day one.
Borrower portal liveFirst applicationFirst disbursement
Simple, transparent pricing
14-day free trial on all plans · No setup fees · Cancel anytime
Founder offer: R829/month locked for 12 months for NCR-registered microlenders signing up before 31 August 2026.
Starter
R 1,299/mo
- 5 VulaCheck credits/month
- Single branch
- DebiCheck integration
- Loan agreements & OTP signing
- NCR compliance reports
- Basic finance module
Growth
Most popularR 1,999/mo
- 10 VulaCheck credits/month
- Multi-branch support
- Reconciliations & data import
- DebiCheck integration
- Full finance module
- Priority support
Pro
R 3,499/mo
- 25 VulaCheck credits/month
- Multi-branch support
- Reconciliations & data import
- DebiCheck integration
- Custom domain
- API access
All prices exclude VAT · Credits consumed per assessment · Unused credits carry forward · Need more? Contact us →
From the VulaCheck Blog
General
The Future of Microlending in South Africa: Speed, Trust, and Better Systems
South African microlending is changing as borrowers expect faster service and regulators expect responsible lending.
Read more →
General
How to Grow a Microlending Business Without Increasing Bad Loans
The real challenge is not simply how to grow. The real challenge is how to grow without weakening the loan book.
Read more →
Product
Why VulaCheck Is More Than a Document Analysis Tool
VulaCheck does more than read documents. It supports the full loan review process by organising applications, checking affordability, highlighting inconsistencies, and supporting decision records.
Read more →Ready to modernise your
lending operation?
Join 50+ microlenders already using VulaCheck to manage their business.
Start your free trial →No credit card required14-day free trialSetup in 5 minutes