Eleven core capabilities, built specifically for cooperative, esusu and mini-finance operations — not generic accounting software.
Every picture on this page is a real SmartCoop screen, shown with sample data. Tap a picture to open it full size.
Every member's profile, status and history kept in one record — no more digging through separate books to answer a simple question.
Real-time balances for every member, always reconciled against the underlying ledger — never a figure that's just typed in.
Every deposit posts as a real, traceable transaction the moment it's taken at the counter — not written down for later.
A second pair of eyes before money leaves — with any fee correctly split from the member's own balance.
Disbursement, interest and repayment tracked against each member, with outstanding balances always visible to staff.
Every repayment posted against the correct loan, correctly split between principal and interest.
Every member's equity contribution, tracked as its own portfolio — separate from savings, exactly as cooperative accounting requires.
Every deposit, withdrawal and loan posts as a proper double-entry transaction — the same discipline a bank uses.
Directors, Managers and Staff each get their own login, scoped to exactly what their role needs — no more, no less.
Trial balance, balance sheet, profit & loss and cash flow — clear enough to hand straight to your board.
Your organisation's own private space — settings, branches and records kept separate from every other cooperative on SmartCoop.
SmartCoop