Uganda Credit Appraisal Assistant

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

Active appraisals On track
128
CRB checks pending 4 due today
4
Portfolio KPI score Healthy
91%
Bank of Uganda aligned UMRA FIA CMA Constitution of Uganda
Features

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.

How it works

From application to decision, in five guided steps

Acrema structures the appraisal so nothing gets missed — and nothing gets decided for you.

  1. Intake

    Capture applicant, business and loan details through a guided form.

  2. Documents

    Upload bank statements and collateral papers for AI-assisted review.

  3. CRB check

    Request and track a Credit Reference Bureau report for the applicant.

  4. Risk insight

    Review AI-generated findings alongside the applicant's full file.

  5. 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.

Bank of Uganda (BoU) UMRA Financial Intelligence Authority Capital Markets Authority Constitution of Uganda
Acrema AI is a decision-support tool. Every risk rating, summary and recommendation it produces is an automated suggestion for your review — final accountability for every lending decision remains with the human credit officer.

Ready to modernise your appraisal desk?

Create your account and open your first appraisal in minutes.

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