# mfileads

> Lead management and member growth software for microfinance institutions (MFIs) and SACCOs: consented lead capture (forms, QR codes, imports), explainable 0–100 lead scoring, WhatsApp and SMS outreach that is blocked without consent, a pipeline from new lead to active member, referral tracking, territories and dashboards. Part of the Zung.ai ecosystem. Features marked "planned" are not available yet.

## Platform
- [Consented lead capture](https://mfileads.com/features/lead-capture): Forms, QR codes and field entry that record consent the moment a lead is born. Live: Branded capture form for your institution, shareable by link or printable QR code; Explicit marketing-consent checkbox with the exact wording and time stored on the lead; Mobile-first lead entry for field officers and branch staff; CSV / Excel import with duplicate detection by phone number; Source tracking: referral, field visit, event, walk-in, website, WhatsApp, import. Planned: Offline capture in the field-agent app, synced when back online.
- [Explainable lead scoring](https://mfileads.com/features/lead-scoring): A 0–100 score per lead, with every point explained. No black box. Live: 0–100 score on every lead, refreshed when anything about the lead changes; Factor-by-factor breakdown on each lead — every point accounted for; Adjustable weights per institution (e.g. value referrals higher); Never uses gender, age, religion, ethnicity or tribe; Hot-lead list (score 70+) on the dashboard for daily prioritisation. Planned: Zung AI model trained on your converted members, with SHAP explanations.
- [WhatsApp & SMS outreach](https://mfileads.com/features/outreach): Personalised messages on the channels borrowers use — only to people who opted in. Live: Reusable templates with {name}, {product}, {institution} and {agent} placeholders; One-tap WhatsApp: opens the chat with the message ready on the officer’s phone; SMS through Africa’s Talking in Africa, with your own sender ID; SMS through Twilio for Asia, the Americas, Europe and Oceania; Automatic consent check and opt-out link on every message; Every message logged on the lead timeline.
- [Pipeline & follow-ups](https://mfileads.com/features/pipeline): A drag-and-drop pipeline from first contact to active member, with reminders. Live: Drag-and-drop Kanban board with stage totals and amounts; Lead ownership per officer, with territory filters; Follow-up dates and task list with overdue alerts; Full timeline per lead: notes, calls, visits, messages, stage changes; Lost reasons, so you learn why prospects do not convert.
- [Member referral tracking](https://mfileads.com/features/referrals): Track which members bring in new members — and reward them fairly. Live: Link each lead to the person who referred them; Referral leads score higher by default; Top-referrer leaderboard and referral conversion rate; Referral source shown on every lead and in exports. Planned: Personal referral links per member.
- [Territories & field teams](https://mfileads.com/features/territories): Split your market into territories, assign officers and compare performance. Live: Territories on leads and on officers; Officer leaderboard: leads added, contacted, converted; Pipeline and conversion by territory; Role-based access: owners, admins and agents. Planned: Map view of leads and catchment zones; Field-visit check-ins with location.
- [Growth dashboards](https://mfileads.com/features/intelligence): Conversion, pipeline value, sources and officer performance — live. Live: Funnel from new lead to converted member, with conversion rates; Pipeline value by product and stage; Leads and conversion by source and by territory; Officer performance and follow-up discipline; CSV export of any lead list for your own analysis. Planned: Seasonal demand forecasts (e.g. agricultural input loans); Market benchmarks from mfidata.com.
- [Consent & data protection](https://mfileads.com/features/compliance): Consent records, opt-outs, data export and deletion — ready for your regulator. Live: Consent stored per lead with time, source and wording; Outreach blocked automatically without consent or after opt-out; Self-service opt-out link on every message; Export a single lead’s data on request (access requests); Permanent deletion of a lead and their history (erasure requests); Audit log of logins, exports, deletions and settings changes; Data processing agreement for every customer.

## Solutions
- [Microfinance institutions](https://mfileads.com/solutions/microfinance-institutions): Fill loan officers’ days with qualified borrowers.
- [SACCOs & credit unions](https://mfileads.com/solutions/saccos): Recruit members through referrals, delegates and employers.
- [Digital lenders](https://mfileads.com/solutions/digital-lenders): Turn app installs and USSD sessions into compliant, scored leads.
- [Agricultural finance](https://mfileads.com/solutions/agricultural-finance): Line up input-loan demand before the planting season.
- [Group lending & savings groups](https://mfileads.com/solutions/group-lending): Track groups and their members from first meeting to first loan.
- [Fintechs & vendors selling to MFIs](https://mfileads.com/solutions/fintechs-and-vendors): Run your MFI and SACCO sales pipeline in a CRM that speaks their language.

## Integrations
- [WhatsApp](https://mfileads.com/integrations/whatsapp) (live): One-tap click-to-chat with the message ready on the officer’s phone.
- [Africa’s Talking SMS](https://mfileads.com/integrations/africas-talking) (live): Send SMS from inside mfileads with your own sender ID.
- [Twilio SMS](https://mfileads.com/integrations/twilio) (live): SMS for Asia, the Americas, Europe and Oceania through Twilio.
- [CSV & Excel](https://mfileads.com/integrations/csv-excel) (live): Import lead lists and export any view, ready for Excel.
- [QR codes & capture links](https://mfileads.com/integrations/qr-codes) (live): A printable QR code and link for your institution’s capture form.
- [Zung core banking](https://mfileads.com/integrations/zung-core-banking) (request): Create the member in Zung the moment a lead converts.
- [WhatsApp Business API](https://mfileads.com/integrations/whatsapp-business-api) (request): Approved template campaigns with delivery and read receipts.
- [USSD](https://mfileads.com/integrations/ussd) (request): Let feature-phone users register interest with a short code.
- [M-Pesa](https://mfileads.com/integrations/mpesa) (request): Registration fees and referral rewards through M-Pesa.
- [MTN MoMo & Airtel Money](https://mfileads.com/integrations/mtn-momo) (request): Mobile-money collections and rewards across Africa.
- [Wave & Orange Money](https://mfileads.com/integrations/wave-orange-money) (request): Mobile-money collections across West and Central Africa.
- [EcoCash](https://mfileads.com/integrations/ecocash) (request): Fees and rewards through EcoCash in Zimbabwe and Lesotho.
- [UPI](https://mfileads.com/integrations/upi) (request): Membership fees and rewards over UPI in India.
- [GCash & Maya](https://mfileads.com/integrations/gcash-maya) (request): E-wallet collections and rewards in the Philippines.
- [QRIS & e-wallets](https://mfileads.com/integrations/qris-ewallets) (request): QRIS, GoPay, OVO and DANA in Indonesia.
- [PromptPay & DuitNow](https://mfileads.com/integrations/promptpay-duitnow) (request): Real-time QR payments in Thailand and Malaysia.
- [Pix](https://mfileads.com/integrations/pix) (request): Instant payments in Brazil.
- [SPEI](https://mfileads.com/integrations/spei) (request): Bank transfers in Mexico.
- [Credit bureaus — Africa](https://mfileads.com/integrations/credit-bureaus-africa) (request): Metropol, TransUnion, Creditinfo and Creditinfo VoIS checks at application.
- [Credit bureaus — Asia](https://mfileads.com/integrations/credit-bureaus-asia) (request): TransUnion CIBIL, Experian, CRIF High Mark, CIC and CTOS checks at application.
- [Credit bureaus — Americas, Europe & Oceania](https://mfileads.com/integrations/credit-bureaus-americas-europe) (request): Experian, Equifax, TransUnion, Serasa and Buró de Crédito.
- [REST API & webhooks](https://mfileads.com/integrations/rest-api) (request): Push leads in from your website and app; get events out.

## Pricing
- Starter: $49/month. For small SACCOs and single-branch MFIs getting organised.
- Growth: $149/month. For growing MFIs and multi-branch SACCOs with field teams.
- Enterprise: custom pricing. For MFI networks, microfinance banks and large SACCOs.
- Every plan starts with a 14-day free trial, no credit card. Details: https://mfileads.com/pricing

## Guides
- [Pipeline management for loan officers: from market visit to disbursement](https://mfileads.com/guides/loan-officer-pipeline-management): A simple pipeline framework that helps loan officers and branch managers stop losing prospects between first contact and disbursement.
- [Lead scoring for microfinance: how to prioritise prospects fairly](https://mfileads.com/guides/lead-scoring-for-microfinance): How MFIs and SACCOs can use simple, explainable lead scoring to decide who loan officers call first — without bias or black boxes.
- [Direct marketing consent for lenders under Kenya’s Data Protection Act](https://mfileads.com/guides/direct-marketing-consent-kenya-data-protection-act): What MFIs, SACCOs and digital lenders need to know about consent, opt-outs and recent ODPC decisions on unsolicited marketing.
- [WhatsApp for MFIs and SACCOs: a compliant outreach playbook](https://mfileads.com/guides/whatsapp-marketing-for-saccos-and-mfis): How to use WhatsApp to reach prospective members and borrowers personally and effectively — while respecting consent and data-protection rules.
- [Designing a member referral programme that pays for results](https://mfileads.com/guides/member-referral-programme-mfi): How MFIs and SACCOs can build a referral programme that rewards members fairly, avoids abuse, and produces active, repaying members — not just names.
- [How to grow SACCO membership: 9 strategies that work](https://mfileads.com/guides/how-to-grow-sacco-membership): Practical, proven ways for SACCOs to recruit new members — from referral programmes and employer partnerships to youth outreach — and how to measure which ones work.

## Company
- [Security & data protection](https://mfileads.com/security)
- [About](https://mfileads.com/about)
- [Book a demo](https://mfileads.com/demo)
- Contact: growth@mfileads.com