Appraise every loan with confidence, speed, and full regulatory peace of mind.
Acrema brings appraisal wizards, CRB checks, AI-assisted document analysis and portfolio KPIs into one workspace built for Uganda's credit officers — so the officer decides, faster and better informed.
No credit card required · Built for banks, MFIs & SACCOs · Aligned with BoU, UMRA, FIA & CMA
Everything a credit officer needs, in one place
One workspace for the full loan lifecycle — intake, verification, analysis and decisioning.
Guided loan appraisals
Take an application from intake to close with a structured wizard that captures applicant, financial and collateral detail every time.
AI-assisted document analysis
Bank statements, collateral papers and CRB reports are read and summarised automatically — the officer still makes the final call.
CRB requests, tracked
Raise and follow Credit Reference Bureau checks against every applicant without leaving the appraisal.
Portfolio & KPI dashboards
Live clientele statistics and KPI scores keep your desk, branch and portfolio performance visible at a glance.
Ask Acrema
A decision-support chat trained on lending policy — offering insight and guidance while every decision stays with you.
Department library & industry news
Shared policy documents, personal notes and curated industry news, organised by department.
From application to decision, in five guided steps
Acrema structures the appraisal so nothing gets missed — and nothing gets decided for you.
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Intake
Capture applicant, business and loan details through a guided form.
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Documents
Upload bank statements and collateral papers for AI-assisted review.
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CRB check
Request and track a Credit Reference Bureau report for the applicant.
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Risk insight
Review AI-generated findings alongside the applicant's full file.
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Officer decision
Approve, decline or restructure — the accountable call stays human.
Built around Uganda's regulatory framework
Acrema's workflows are shaped around the standards Ugandan lenders already answer to, so your documentation is audit-ready by default.