Microfinance and lending
Customer service for microfinance and lenders
Answer loan questions safely, remind borrowers before repayments are due, and record every promise to pay, across WhatsApp, SMS and calls.
Photo: PICHA Stock
What Texa handles for you
Texa answers what it can straight away, checks your systems before it speaks, and passes anything that needs a person to the right team.
- Balances and due dates Shared only after the borrower is verified, straight from your loan system.
- Repayment reminders WhatsApp first, then SMS, then a call, inside quiet hours and never to anyone who opted out.
- Promises to pay When a borrower says when they’ll pay, Texa records it and sends it to your system.
- Branches Each branch has its own people, inboxes, opening hours and reports.
- Walk-in complaints Staff log complaints made in person, and the borrower gets the reference by SMS or email.
- Pidgin and Hausa Borrowers can write or send voice notes in the language they’re comfortable with.
In use
Reminders that get replies
Texa answers the borrower’s questions about the reminder and records what they agree to.
How Texa answers
- Hi Grace, your loan repayment of ₦25,000 is due on 15 Oct. Reply here if you have any questions.
- I get paid on Friday. Can I pay then?
- Texa AI
Yes, that’s fine. I’ve noted that you’ll pay ₦25,000 on Friday 17 Oct. I’ll send the payment details that morning.
- Promise to pay recorded · 17 Oct 2026
Works with what you already run
Texa connects to your systems through connections you approve, and never needs a copy of your data.
- Your loan system Through its API, or through Texa Relay for a database inside your network.
- SMS Through Texa’s SMS account, or your own at no charge.
- Calls Texa can place reminder calls inside your calling window.
- Your processes Write how you handle late payments in plain English, and approve it by name.
Fair and compliant
Reminders that respect your borrowers
Every rule is checked before a message goes out, whoever set up the campaign.
- Quiet hours Nothing goes out outside the window you set, in the borrower’s time zone.
- Opt-outs STOP on any channel ends all messages to that borrower.
- Do-not-disturb The do-not-disturb list is checked before SMS and calls.
- CBN complaints Complaints follow CBN categories and timelines, with the register as a CSV.
Texa Desk for other industries
Send your first repayment reminder
Start with one group of borrowers and one WhatsApp template. Texa handles the replies.
Kinshasa. Photo: Khris Kunta kUkU