OPESHA SOLUTIONS mobile app is “matchmakers” between borrowers and lenders.OPESHA SOLUTIONS gather documents and information about borrowers, creates a loan file,figure out which loan program is the best fit, then find a lender that offers the best terms.

In a nutshell, OPESHA SOLUTIONS follow a relatively consistent pattern that looks like this

• Identify the borrowers needs (loan size & purpose)
• Evaluate the borrower’s financial situation( credit history & score) and borrowing capacity (employment/business income).
• Recommend suitable loan programs for which the borrower & collateral is eligible.
• Shop the market to find the best loan terms.

To further understand how OPESHA SOLUTIONS mobile app work, let's take a look at the broader loan market & the players involved:

There are three main types of institutions that make or provide loans;

• Banks,& microfinance institutions (Depository institutions) e.g Equity Bank, KCB Bank, Faulu etc
• Non-Bank lenders e.g Agricultural Finance Corporation (AFC), ICDC, KIRDI, etc.
• Credit only Microfinance e.g Speed Capital etc & also Individuals.

OPESHA SOLUTIONS partners with lenders & focuses exclusively on loan origination ( finding customers,starting loan applications & following through to closing).With a borrower's loan file assembled, OPESHA SOLUTIONS can shop the loan among the various lenders to find the best loan program & terms(e.g interest rates).OPESHA SOLUTIONS has the widest selection of programs from which to choose.

OPESHA SOLUTIONS backed by support team keeps deals moving forward.The app orders credit reports and collateral appraisals at the appropriate time.OPESHA SOLUTIONS team will communicate with you and other stakeholders involved in the loan application process like valuers etc.each step of the way.

The OPESHA SOLUTIONS team is proactive-looking for potential problems well in advance & resolving them.

Transaction fee & Commissions

For the borrower to use the OPESHA SOLUTIONS digital platform to shop for a loan, two types of expenses shall be incurred by him:

• Commissions- upon securing the borrower the loan he/she needed; OPESHA SOLUTIONS shall be paid a negotiated commission for having successfully facilitated the borrower to get this loan.The commission payable shall have been agreed upon prior to loan disbursement
• Transaction fee- a fee of ksh. is levied for one to access the services on offer like accessing the various sources of lenders and also the advice from the loan consultant.