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VulaCheckSA's Intelligent Lending Platform
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VulaCheck Umphakathi

Umphakathi means community. Field agents take applications where your borrowers live and work — your staff, or trusted people in the communities you serve. The agent captures; you decide.

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Two women sitting together, one showing the other something on her phone.

How it works

From the agent’s phone to your decision

  1. Step 1: Invite an agent

    By SMS. They sign in with their phone number, on one phone only.

  2. Step 2: The agent captures

    Consent on the borrower’s own phone, ID check, documents and location.

  3. Step 3: You decide

    The file arrives in your queue with the agent, the phone used and any flags.

  4. Step 4: The agent earns

    Commission on repayments actually collected.

You stay in control

  • Every agent invited, vetted and activated by you
  • Capture limits per day and per phone
  • Commission per product, staff and independent
  • A monthly statement for each agent

What an agent never sees

  • The credit report
  • Other agents’ work or commission
  • Approve or payout buttons
  • A borrower’s bank details after capture

Works with the rest of VulaCheck

Agent applications land in Lending’s queue, and Vula AI can review them before you decide.

LendingVula AI

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