Verify statements. Score repayment. Ship committee-ready credit files.
Textrion doesn't just read M-PESA and bank PDFs, it checks integrity, builds borrower cases, writes committee memos, and exports lender-ready data. Built for MFIs, SACCOs, and SME lenders who need speed without losing control of underwriting.
Borrower shows consistent M-PESA inflows with moderate paybill obligations. Combined bank statement confirms salary credits; net surplus supports installment near KES 18k/month…
End-to-end lending workflow
From WhatsApp photo to credit committee file—in one workspace.
Applicants already have M-PESA and bank statements. Textrion extracts every transaction, verifies consistency, groups files by borrower, and produces the narrative your credit team needs—without re-keying PDFs or juggling spreadsheets.
How loan officers use it
- 1Collect the statement
Upload a PDF, batch files from the branch, or receive via WhatsApp intake—M-PESA, Co-op, and other Kenya bank formats.
- 2Extract & verify integrity
Transactions, balances, and identity land in searchable tables. Integrity checks flag balance drift, gaps, and mismatches early.
- 3Build the borrower case
Attach M-PESA and bank runs to one client file. See coverage badges, status, and full extraction history in one place.
- 4Review signals & committee memo
Paid-in vs paid-out, obligations, Fuliza, and comfortable installment hints—plus auto-generated memo text for the committee pack.
- 5Export & integrate
Download credit review PDF, transaction CSV/XLSX, or fire a webhook when extraction completes for your LOS or automation.
What you learn before approving
- Ability to repay
Average inflows, net surplus, volatility, and suggested installment band from real money movement.
- Existing obligations
Paybill, till, transfer, and digital-loan patterns from categorized M-PESA spend.
- Document trust
Integrity grade on balance math, row continuity, and cross-document identity checks.
- Portfolio continuity
Re-open the same borrower case on renewal—compare new statements against prior extractions.
Less “another PDF parser.” More closed loan-officer workflow.
Generic OCR gives you rows. Textrion gives you borrower files, trust checks, and committee-ready output, tuned for Kenya statements and the way MFIs actually work.
“One borrower profile, every statement they've ever sent.”
Borrower case files
Group M-PESA and bank runs under one client. Track status, coverage, and history across renewals—not scattered extractions.
“Catch tampered or inconsistent statements before you approve.”
Statement integrity checks
Balance reconciliation, date gaps, duplicate rows, and identity mismatches—graded before your officer signs off.
“Your policy, narrated for the credit committee.”
Auto committee memo
Repayment capacity, obligations, and risk signals turned into ready-to-read paragraphs plus a proceed / review recommendation.
“Borrower sends a photo → you get structured data.”
WhatsApp intake
Field agents and branch staff receive statements on WhatsApp; Textrion extracts and links them to your workspace automatically.
“Fits your existing loan system.”
Webhooks & Excel export
Push completed extractions to your LOS, spreadsheet, or automation stack. Export transaction tables as CSV or XLSX per run.
“M-PESA plus bank, one credit picture.”
Combined credit review
Merge mobile money and bank statements for salaried and business borrowers—flows, obligations, and comfortable installment hints.
Kenya-aware extraction with a UI your team will actually use
Hybrid text + OCR parsing, team workspaces, page credits, API keys, and document-type presets, everything behind the credit workflow above.
Start free. Scale with your loan book.
Page-based plans for extraction volume, plus add-ons for credit review and personal analysis. All prices in Kenyan shillings.
Billing period
Pilot with a small client book — enough for a branch team to evaluate weekly.
- ✓100 pages / month
- ✓M-PESA & bank extraction
- ✓Dashboard history
- ✓Community support
For SACCOs, MFIs, and branch teams with steady weekly statement reviews.
- ✓500 pages / month
- ✓Everything in Free
- ✓API keys for integrations
- ✓Email support
Growing lending ops with higher application volume across branches.
- ✓2,000 pages / month
- ✓Everything in Starter
- ✓Higher volume for lending teams
- ✓Priority processing
Custom limits, SLA, and onboarding for large portfolios.
- ✓Custom page limits
- ✓SLA & dedicated support
- ✓Multi-branch / SSO (on request)
- ✓Custom document templates
Add-ons
Unlock underwriting workflows on top of any plan.
Credit review
Repayment capacity, M-PESA + bank combine, underwriting signals, and PDF reports.
Personal analysis
Spending by category, wellbeing score, and actionable tips toward financial freedom.
Top-up packs
Extra pages when you exceed your monthly allowance.
Pilot with your next ten applications
Register free, upload a statement, and walk through integrity checks, credit review, and committee memo on a real file. Scale to cases, WhatsApp intake, and webhooks when your team is ready.
- Borrower cases with M-PESA + bank coverage
- Statement integrity grading on every extraction
- Auto committee memo + credit review PDF
- CSV, XLSX, JSON, and webhook delivery
- WhatsApp intake for field and branch teams