7 problems solved

Every problem
lenders run into.

Real problems from real conversations with lenders in Malawi — and exactly how Halupay solves each one.

01

Stop Being the Only Way Your Borrowers Can Check What They Owe

Every borrower who wants to know their balance has one option: call or WhatsApp you directly. Multiply that by every borrower, every week, and a good chunk of your day becomes answering the same question over and over.

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02

You Shouldn't Have to Type Every Application by Hand

A borrower calls, tells you their name, ID number, amount, and guarantor details over the phone, and you type it all into a notebook or your phone while trying not to mishear anything.

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03

Would You Still Lend If You Knew They Already Owed Someone Else?

A new borrower asks for a loan and tells you it's their first one this month. You have no way to know if that's true — you only see your own loan book, not what's happening across other lenders.

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04

A Paper Contract Only Proves Something If You Can Find It

You hand-write or print a loan agreement, the borrower signs it, and then it lives in a folder, a drawer, or nowhere in particular — until the one day you actually need it as proof.

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05

Tracking Loans Isn't the Same as Tracking Your Business

You might know exactly what every borrower owes you, and still have no clear picture of your own capital — how much you've put in, what you've spent on transport or airtime, or what you've withdrawn for yourself.

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06

Charging Different Rates for Different Terms Shouldn't Mean Redoing the Math Each Time

Many lenders in Malawi price loans differently depending on how long the money is out — a 1-week loan isn't priced like a 1-month loan. Working that out by hand, every single time, is where mistakes creep in.

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07

Growing Past One Person Means Someone Else Needs Access — Not Your Password

Once you have people helping you collect, the only way to give them access is to hand over your own phone or your login details — which means they can see and do everything you can.

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