Built for Nigerian MFBs

The Core Banking Platform That Grows With You

Loans, savings, payments, GL accounting, regulatory compliance, and 2,400+ API endpoints — everything your microfinance bank needs, in one platform.

See Features
2,400+ API Endpoints
28 User Roles
100% CBN Compliant
15 Regulatory Returns

Everything Your MFB Needs

From loan origination to CBN reporting — one platform, zero gaps.

💰

Loan Management

Full lifecycle — origination, amortization, disbursement, collections, restructuring, write-off, and provisioning.

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Savings & Deposits

Current accounts, fixed deposits, rotational savings (Ajo), overdraft facilities, and interest computation.

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General Ledger

Double-entry accounting with auto-posting, EOD batch processing, subledgers, and subsidiary consolidation.

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Digital Channels

USSD banking, WhatsApp Business API, card services, virtual bank accounts (NUBAN), and agent banking.

🌐

Payments & Transfers

NIBSS NIP interbank, Paystack/Flutterwave, VAS (airtime/bills), IMTO payouts, and cross-border Africa Trade Hub.

🛡

Compliance & Security

15 CBN/NFIU/NDIC returns, SOL enforcement, insider lending, KYC tiering, AML/CTR/STR, NDPR/GDPR, and full audit trail.

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HR & Payroll

Employee management, Nigerian PAYE compliance (7 brackets), pension, NHF, NHIS, salary advance, and onboarding workflows.

🏢

Multi-Tenant SaaS

Row-level security, per-org configuration, custom roles, configurable lookups, and white-label ready architecture.

Our Products

Purpose-built solutions for African financial institutions.

Live

FinovaMax Core Banking

Complete core banking system for Microfinance Banks — loans, savings, GL, teller operations, regulatory reporting, and 246 database entities powering every aspect of your institution.

  • Loan lifecycle management
  • Double-entry GL with auto-posting
  • NIBSS NIP, VAS, card services
  • 28 user roles with RBAC
  • CBN regulatory compliance
Coming Soon

CBN Examination Readiness Portal

Standalone SaaS for any MFB to assess CBN examination readiness, generate regulatory returns, and track compliance scores — no core banking migration required.

  • CAMELS+ readiness scoring
  • 15 regulatory return generators
  • Compliance gap analysis
  • Examination preparation toolkit
  • Subscription billing

Regulatory Compliance, Built In

Not bolted on. Every CBN, NFIU, NDIC, and FIRS requirement is native to the platform.

CBN Prudential Returns Monthly & quarterly automated
Single Obligor Limit Real-time enforcement
NFIU CTR/STR Automated detection & filing
Insider Lending BOFIA 2020 Section 19
KYC Tiering Account level enforcement
Loan Provisioning DPD classification engine
Capital Adequacy CAR & liquidity monitoring
NDPR / GDPR Data privacy compliance
Cash Reserve CRR daily monitoring
Consumer Complaints FCCPC framework + SLA
NDIC Returns SCV & deposit reporting
Audit Trail Immutable hash-chain log

Ready to Modernize Your MFB?

Join the next generation of digitally-native microfinance banks in Nigeria.