A smarter digital platform for loans, savings, repayments, collections, and branch banking operations across Ghana.
A comprehensive banking operations platform designed specifically for Ghanaian microfinance, rural banks, and lending institutions.
Real-time visibility into your entire banking operation with portfolio health, collections, and branch performance.
Complete customer database with KYC, guarantor tracking, and custom fields for every borrower profile.
End-to-end loan lifecycle from application to disbursement, with multiple interest methods and collateral tracking.
Automated repayment processing with mobile money integration, bulk collections, and real-time allocation.
Full savings operations with products, deposits, withdrawals, interest posting, and balance monitoring.
Multi-branch operations with capital tracking, branch-level permissions, holidays, and performance dashboards.
From microfinance to rural banks, susu operators to investment firms — Nowills powers the full spectrum of Ghanaian financial services.
Small lenders
Community banking
Deposit-taking
Cooperative finance
Rotational savings
Digital lending
Portfolio management
Salary-backed loans
Every tool your financial institution needs, from customer onboarding to portfolio reporting and regulatory compliance.
Create configurable loan products with flexible terms, interest rates, and fees.
Streamlined loan applications with document upload and eligibility checks.
Multi-level approval chains with branch manager and head office authorization.
Flat interest, reducing balance, and compound interest calculations.
Register and monitor collateral assets linked to each loan facility.
Reschedule loans, modify terms, and handle early settlements seamlessly.
Define savings products with interest rates, minimum balances, and fees.
Process transactions with real-time balance updates and receipt generation.
Automatic interest calculation and posting to savings accounts.
Manage investor deposits, dividends, and investment reporting.
Transfer funds between savings accounts with full audit trails.
Generate detailed savings and investment statements for customers.
Record and track daily collections from field officers and branches.
Integrate MTN MoMo, Vodafone Cash, and AirtelTigo Money repayments.
Process multiple repayments simultaneously with automatic allocation.
Assign collections to specific officers and monitor their performance.
Auto-generate repayment receipts with principal, interest, and fee breakdown.
Automated alerts for missed repayments with escalation workflows.
Track all income streams and operational expenses with categorization.
Monitor loan portfolio quality with PAR reporting and aging analysis.
Generate real-time balance sheets for regulatory and management reporting.
Track profitability with detailed P&L statements by branch and product.
Identify overdue loans with automated aging and recovery tracking.
Consolidated and branch-level financial reporting for oversight.
Register staff with branch assignments and role-based access controls.
Cashier, teller, collector, operations, branch manager roles built-in.
Restrict access to specific features and data based on staff roles.
Complete activity logs for every transaction and system change.
Secure authentication with session management and IP restrictions.
Process staff salaries, allowances, deductions, and generate payslips.
Choose the plan that fits your institution's size and needs. All plans include core banking features.
For single-branch institutions
For multi-branch institutions
For large financial groups
Our Ghana-ready mobile app empowers field collectors, tellers, and customers — optimized for low-bandwidth environments and Android devices.
Hear from leaders who have transformed their banking operations with Nowills.
"Nowills eliminated our paper-based loan books completely. We now process loans 3x faster and our recovery rate improved from 82% to 96%."
"The mobile money integration and field collector app have revolutionized our rural operations. Collections happen in real-time now, even in remote villages."
"With 8 branches across Ashanti Region, the consolidated reporting and branch-level dashboards give us unprecedented visibility into our portfolio."
Join hundreds of Ghanaian financial institutions already using Nowills to modernize banking operations and grow their portfolios.
Ready to modernize your banking operations? Our team is here to help you get started.
2nd Floor Toku House, Graphic Road, Accra, Ghana
+233 53 885 5565
info@nowillsgroup.com
www.nowillsgroups.com