Rails for Onward Lending

One view of every SACCO in the Union, and a revolving fund that moves credit to the right ones — every shilling tracked from disbursement to repayment.

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Trusted by Caritas of Kampala Archdiocese

Features

Our Services

The SMEs Rails Platform

One platform to move money across bank and mobile money. Disburse to members, collect repayments automatically, and reconcile in real time — replacing spreadsheets and manual recon with a live, auditable ledger that every shilling runs through

The SMEs Rails Platform

The SMEs Rails Platform

Onward Lending, Powered End to End

We don't supply the capital — we run the rail that makes onward lending work. Connect a funder's facility, a wholesale line, or your own member deposits, and PayMoja handles disbursement, collection and reconciliation through every revolving cycle. Your capital, your members, our infrastructure. power of AI to analyze trends, optimize savings, and unlock smarter financial decisions tailored to your goals.

Onward Lending, Powered End to End

Onward Lending, Powered End to End

AI-powered Credit Insights

The intelligence layer of the rail. Member-level scoring and portfolio analytics turn repayment history and savings behaviour into credit decisions you can defend — and into the reporting that keeps funders confident.

AI-powered Credit Insights

AI-powered Credit Insights

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Paymoja

One rail for every shilling that moves.

We consolidate a Union's scattered SACCO data into one view — so a funder or apex can see which societies have earned more credit, and the best channel to deliver it.

30+

SACCOS

30+

SACCOS

$30M+

PORTFOLIO

$30M+

PORTFOLIO

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USE CASES

Built for the cooperative ecosystem

Our rails runs underneath every layer of cooperative lending — from the SACCO at the parish to the funder deploying capital across a network.

SACCO's

Provide ERP's, Fiscal Invoicing and Payment Options to show SME's via Paymoja Merchant

SACCO's

Provide ERP's, Fiscal Invoicing and Payment Options to show SME's via Paymoja Merchant

SACCO's

Provide ERP's, Fiscal Invoicing and Payment Options to show SME's via Paymoja Merchant

Unions and Apexes

Every member SACCO in one view, direct credit to the ones performing best, and run the Union's revolving fund on a single rail

Unions and Apexes

Every member SACCO in one view, direct credit to the ones performing best, and run the Union's revolving fund on a single rail

Unions and Apexes

Every member SACCO in one view, direct credit to the ones performing best, and run the Union's revolving fund on a single rail

Funders and DFIs

Your capital. Our rail. Full visibility. Deploy into cooperative networks and watch every shilling in real time.

Funders and DFIs

Your capital. Our rail. Full visibility. Deploy into cooperative networks and watch every shilling in real time.

Funders and DFIs

Your capital. Our rail. Full visibility. Deploy into cooperative networks and watch every shilling in real time.

Open your account

Why us?

What sets us apart?

Discover our unique blend of cutting-edge technology, advanced security, and personalized support that truly sets us apart.

Infrastructure

We move and track capital; we don't compete with the funders or the SACCOs who supply it. That makes us the neutral rail everyone can plug into.

Partnerships

We grow through cooperative unions that communities already trust, starting with the Caritas Union of Kampala Archdiocese — so we reach a whole network of SACCOs at once, not one cold pitch at a time.

Funder-grade transparency

Real-time reconciliation is what turns a one-off grant into a revolving relationship. Every shilling is traceable.

Get started

Put your Onward Lending on Rails.

30+

SACCOS

30+

SACCOS

$30M+

Portfolio

$30M+

Portfolio

Rails is the infrastructure that moves the money, tracks every loan, and shows everyone exactly where their capital is working within cooperative unions

Open your account

Rails for Onward Lending

Rails for Onward Lending

Our Services

The SMEs Rails Platform

The SMEs Rails Platform

The SMEs Rails Platform

Onward Lending, Powered End to End

Onward Lending, Powered End to End

Onward Lending, Powered End to End

AI-powered Credit Insights

AI-powered Credit Insights

AI-powered Credit Insights

One rail for every shilling that moves.

One rail for every shilling that moves.

30+

SACCOS

30+

SACCOS

$30M+

PORTFOLIO

$30M+

PORTFOLIO

Built for the cooperative ecosystem

SACCO's

SACCO's

SACCO's

Unions and Apexes

Unions and Apexes

Unions and Apexes

Funders and DFIs

Funders and DFIs

Funders and DFIs

What sets us apart?

Infrastructure

Partnerships

Funder-grade transparency

Put your Onward Lending on Rails.

30+

30+

$30M+

$30M+

Stay tuned!

Stay tuned!

Stay tuned!