Debt recovery management system
Recover more, with balances you can prove and decisions people approve
DRMS is a multi-tenant platform for fintechs, digital lenders, microfinance banks and collection agencies: an immutable loan ledger, collections case management, maker-checker approvals, a borrower portal and an audit trail for every action.
Start free trial Explore features
- Append-only integer-money ledger
- Two-person approvals on money decisions
- Strict tenant isolation
- Consent and contact-window enforcement
One platform for the whole recovery lifecycle
An immutable loan ledger you can trust and reconcile
Append-only loan ledger with integer money, idempotent posting, reversals instead of edits and reconciliation queues for mismatched payments.
Collections case management that keeps officers focused
Automatic case opening at your days-past-due rule, explainable priority, promises to pay, tasks, bulk assignment and officer capacity.
Maker-checker approvals for every decision that moves money
Two-person approvals for settlements, write-offs, refunds and balance adjustments with authority levels, reasons and a hash-chained audit trail.
A borrower portal that makes paying and resolving issues easy
Borrowers view balances and statements, pay online, request arrangements, and raise complaints or disputes — all logged for the lender.
Compliance controls that are enforced, not just documented
Consent and opt-out enforcement, send windows, message caps, legal holds, retention, data-subject requests and complaint SLAs.
Integrate your loan system, bank and providers
REST API with scoped keys and OAuth client credentials, OpenAPI description, idempotent writes and HMAC-signed outbound webhooks with retries.
How it works
Import or sync your portfolio
Upload CSV/Excel with column mapping and a preview, or sync by API. Lender-reported balances are reconciled, never silently overwritten.
Work cases with clear rules
Cases open at your days-past-due rule, are prioritised transparently, and every contact, promise and arrangement is recorded.
Collect, reconcile, report
Verified payments post once to the ledger. Approvals, audit and analytics show what was recovered and why.
Built for your kind of lender
Digital lenders & fintechsMicrofinance banksBNPL providersCollection agencies
Plans
Evaluation
Free trial
- Up to 3 team members
- Up to 100 loans
- 200 MB document storage
- 14-day trial
Starter
₦50,000.00 / month
- Up to 5 team members
- Up to 1,000 loans
- 500 MB document storage
Professional
₦150,000.00 / month
- Up to 25 team members
- Up to 10,000 loans
- 5 GB document storage
Enterprise
₦500,000.00 / month
- Up to 200 team members
- Up to 200,000 loans
- 50 GB document storage
Common questions
What is DRMS?
DRMS is a multi-tenant debt recovery management system. Lenders and collection agencies use it to track delinquent loans, work recovery cases, record and reconcile payments, run approvals and report on outcomes with a full audit trail.
Who is it for?
Fintechs and digital lenders, microfinance banks, buy-now-pay-later providers and collection agencies that need controlled, auditable recovery operations.
Does it make lending or collection decisions automatically?
No. Automation is limited to safe actions such as creating tasks or sending approved messages. Settlements, write-offs and adjustments always need human approval.
How accurate are balances?
Balances are computed from an append-only integer ledger with idempotent posting. Reconciliation queues surface differences instead of overwriting them.
Can I import my existing portfolio?
Yes. Upload CSV or Excel, map your columns, preview valid and rejected rows, then commit. Re-importing the same loan reference does not duplicate it.
See it with your own portfolio
Start a trial or talk to us about a walkthrough.