All-in-one lending management
Complete Lending Management for Smarter Businesses
Manage your borrowers, loans, collections and finances in one powerful, easy-to-use platform. Designed for the Namibian lending environment.
- Easy to use
- Secure and compliant
- Built for growth
Manage Borrowers
Keep complete client profiles in one place
Track Loans
From application to final repayment
Monitor Collections
Stay on top of payments and arrears
Built-in Accounting
Integrated financial management
Compliant & Secure
Designed for the Namibian lending environment
In partnership with
Working with leading partners for a stronger lending ecosystem
Debit-order collections through Collexia, and credit bureau checks through Creditinfo — built into the loan workflow.
About our partnersCollexia
Electronic debit-order collections
Repayments are collected through Collexia's electronic debit orders. Mandates are placed from the loan, bank responses come back automatically and every result is posted to the loan account — a failed payment flags arrears the moment it happens.
Creditinfo
Credit bureau checks and reporting
Credit bureau checks sit inside the lending workflow, so the person assessing an application sees the bureau report without leaving the loan. Each credit provider works with Creditinfo under its own agreement and credentials.
About DesertLedger
Built in Namibia, for credit providers
Spreadsheets, a bank portal and a separate accounting package leave gaps between every step. DesertLedger closes them with one connected system of record.
Every step feeds the next — nothing is re-typed
- Application, assessment, approval, disbursement, collection and recovery live in a single system, with one data model and one audit trail.
- Repayments are collected by electronic debit order and reconciled to the loan account automatically.
- NAMFISA levies and duty stamp are calculated on every loan, and regulatory reports are built in.
- Every transaction posts straight to the general ledger — so the books are current, not a month-end exercise.
Each credit provider gets its own isolated workspace on shared infrastructure: its own borrowers, loans, accounting and compliance data, scoped at the platform level so no one can see another lender's book.
Truly integrated
One data model from application to accounting — not five tools stitched together with exports and re-keying.
Built for Namibia
NAD-denominated, with NAMFISA statutory charges, duty stamp and local lending workflows built in from the start.
Compliance by design
Statutory charges and regulatory reporting are core features of the platform, not add-ons.
How it works
From application to report
The lending lifecycle, connected end to end.
Apply
Borrower and loan application
Assess
Affordability and bureau check
Approve
Decision and sign-off
Disburse
Funds paid out, schedule created
Collect
Debit orders and repayments
Recover
Arrears and collections workflow
Report
Accounting and compliance, live
Platform features
What's in the platform
The lending desk and the back office, in one place.
Lending and loan management
Borrowers, online applications, loan products, approvals, disbursement, schedules, top-ups and reschedules, with a full activity log on every loan.
Collections and debit orders
Debit-order mandates through Collexia, automatic reconciliation, an arrears worklist by age bucket, and promise-to-pay tracking.
Credit bureau
Creditinfo checks inside the loan workflow, so assessment starts from the bureau report rather than a separate portal.
Integrated accounting
Loan transactions post to the general ledger. Trial balance, cash book, fixed assets, expenses and commissions sit alongside.
Compliance and reporting
NAMFISA levies and duty stamp calculated per loan, regulatory and quarterly reports, and live management reporting on the loan book and arrears.
Branches, staff and control
Multiple branches, roles and permissions, approval workflows and an audit trail, administered centrally with one consolidated view.
See it in action
See DesertLedger
Real screens from the platform. Select any to enlarge. All names and figures shown are sample data.
- All
- Lending
- Collections
- Accounting
- Compliance
Our client
Solid Desert
Our client for now is Solid Desert, a Namibian credit provider running real lending, accounting and collections workflows on DesertLedger.
Get started
From registration to your own workspace
Register online and we guide you through every step. Nothing goes live until you have been approved.
- 1
Register and verify
Create your onboarding account with your company details and confirm your email address.
Register now - 2
Submit your documents
Upload the company documents we list for you. One upload covers every requirement that needs it.
Open the document portal - 3
We verify
Our team reviews your company and documents, and tells you what needs correcting, if anything.
- 4
Provider set-up
Creditinfo and Collexia onboarding runs under your own agreements, with testing before sign-off.
- 5
Choose a plan and go live
Select your subscription, confirm payment, and your workspace is activated.
Prefer a walkthrough first? Request a demo.
FAQ
Frequently asked questions
Straight answers about how DesertLedger works.
Who is DesertLedger for?
Credit providers in Namibia — microlenders and other non-bank lenders who want applications, loans, collections, accounting and compliance in one system instead of several tools.
How are repayments collected?
By electronic debit order through Collexia. DesertLedger places the mandate from the loan, receives the bank response, posts it to the loan account, and flags arrears straight away if a payment fails — no manual bank files.
Is my data kept separate from other lenders?
Yes. Every credit provider has its own isolated workspace — its own borrowers, loans, accounting and compliance data. The separation is enforced at the platform level, so one lender can never see another's book.
Does it cover credit bureau checks and regulatory reporting?
Yes. Creditinfo bureau checks run inside the loan workflow. NAMFISA levies and duty stamp are calculated on each loan, and regulatory and quarterly reports are produced from the same data.
How do I see it working?
Get in touch by email or phone and we will arrange a walkthrough of the platform using your own lending process as the starting point.
Get started
Request a demo
Tell us about your lending operation and we will come back to arrange a walkthrough.
Address
Bahnhof Street, Erf 2250
Windhoek West, Windhoek, Namibia