Our micro-finance bank still relies on paper forms and spreadsheets for every loan we issue. I need a simple, end-to-end digital workflow that moves us away from manual processes without overwhelming our small team. Scope • Customer-facing mobile app: borrowers should be able to submit a loan request, upload supporting documents, and complete identity verification (KYC) inside the app. Android is essential; cross-platform tools like Flutter or React Native are welcome if they keep costs down. • Internal approval module: branch officers and credit committee members must review, comment, and approve or reject applications from a secure web dashboard or an admin section of the app. Status updates should sync in real time with the customer’s view. • Repayment tracking & reminders: once a loan is disbursed, the same system has to create a schedule, record repayments, and trigger SMS/push reminders ahead of each due date. Basic reports—outstanding balance, days in arrears, portfolio at risk—will help management monitor performance. Essential features – Built-in photo capture or document upload for IDs and guarantor forms. – API-level identity verification (BVN/NIN or similar) before an application moves to underwriting. – Role-based access control so tellers see only their branch while head office sees everything. – Offline tolerance: if the borrower loses connectivity mid-application, data should queue and sync when the device reconnects. Deliverables 1. Source code for the mobile app and backend. 2. Deployment scripts/instructions for our own server or a recommended cloud host. 3. Database schema and a short admin manual so staff can update loan products or interest rates without calling a developer. 4. One test run that covers application submission, approval, first repayment, and automatic reminder. Acceptance criteria will be the successful processing of at least one dummy loan from application to first repayment inside a staging environment we can access. If you have live examples of similar fintech or micro-lending apps, please share them; it will speed up our decision.