Managed Apache Fineract — full feature set, fully hosted.
Apache Fineract covers the full spectrum of banking operations. We run it, maintain it, and keep it up to date — so you can focus on serving your customers.
Open-Source Core Banking System
We are using Apache Fineract behind the curtains. It's an open-source core-banking system that is free from all the high license fees.
Loan Portfolios
Solve many lending use-case. The ability to micro-configure everything makes it possible to map your existing or new products easily.
Deposit Products
For everyday banking needs and interest-bearing savings accounts, our system provides seamless management, flexibility, and full control over transactions and rates.
Accounting System
A reliable accounting system that ensures transparency and compliance while offering flexibility, security, and seamless financial management.
Native Multitenancy with our Hub
Whether you're running multiple branches, partner networks, we support multi-tenant setups to serve different entities efficiently.
Features
Open-Source Core Banking System
We are using Apache Fineract behind the curtains. It's an open-source core-banking system that is free from all the high license fees.
Flexible configuration
Customized workflows, complex products, special accounting rules, custom reports, it only takes configuration.
Rapid adoption
With Fineract's REST API driven approach along with its event framework, it's a joy to integrate with.
Security in mind
On top of the open-source project, we add extra layers of security to protect your data.
Loan Portfolios
Solve many lending use-case. The ability to micro-configure everything makes it possible to map your existing or new products easily.
Diverse products
From microloans to mortgages, Buy-Now Pay-Later, we can handle a wide range of lending products with customizable parameters.
Flexible Repayment Structures
Define custom repayment schedules, grace periods, interest rate calculations, and penalties to match customer needs and regulatory requirements.
Streamlined loan processing
Streamlined approvals, disbursements, and collections with automated workflows, reducing manual effort and processing time.
Deposit Products
For everyday banking needs and interest-bearing savings accounts, our system provides seamless management, flexibility, and full control over transactions and rates.
Various Account Types
Support savings, current, fixed deposits, and recurring accounts with customizable interest rates and withdrawal rules.
Configurable Interest & Fees
Define interest rates, minimum balances, and custom fee structures to match your business model.
Real-Time Reporting
Access up-to-date account balances, transaction histories and reports with ease.
Accounting System
A reliable accounting system that ensures transparency and compliance while offering flexibility, security, and seamless financial management.
Flexible Accounting Methods
Whether you need upfront, periodic, or cash-based accounting, we support multiple approaches to fit your financial strategy.
Accounting reports
Generate daily, weekly, monthly, or annual reports — either using predefined templates or customizing them to match your business needs.
Chart of Accounts
Design your account structure exactly as required, with no restrictions on how you organize financial data.
Native Multitenancy with our Hub
Whether you're running multiple branches, partner networks, we support multi-tenant setups to serve different entities efficiently.
Centralized Tenant Management with the Hub
Our Hub simplifies multitenant operations, providing a single interface to create, configure, and monitor multiple Fineract tenants.
Isolated Data & Configurations
Each tenant operates independently with its own customers, accounts, and configurations, ensuring security and operational flexibility.
Customizable Access & Permissions
Assign different roles and access levels per tenant, ensuring proper governance and control across your organization.
Finecko vs self-hosting Apache Fineract
Apache Fineract is powerful — but running it yourself is a full-time engineering job. Finecko gives you the same platform without the ops burden.
| Capability | Self-hosted Fineract | Finecko |
|---|---|---|
| Full Apache Fineract feature set | ||
| REST API + Swagger UI | ||
| Kafka / ActiveMQ business events | ||
| Multi-tenancy | ||
| Managed infrastructure & uptime | ||
| Automated version upgrades | ||
| Daily encrypted backups | ||
| Monitoring & alerting included | ||
| Zero DevOps team required | ||
| Custom domain & branded login |
Who uses Finecko
Finecko is built for any institution that needs a production-grade core banking system without the cost and complexity of enterprise vendors.
Microfinance institutions
Run group lending, individual microloans, and savings accounts with full delinquency tracking, PAR reporting, and collection sheets — all configured without code.
Credit unions & SACCOs
Manage member accounts, share capital, fixed deposits, and loan portfolios on a single platform. Multi-tenancy lets regional chapters operate independently on shared infrastructure.
Fintech lenders
Use Fineract's REST API and business events as the system of record while your custom app handles the UX. Kafka or ActiveMQ integration keeps your stack in sync in real time.
Development finance institutions
Complex loan products — progressive disbursements, concessional interest, donor-tranche tracking — are all configurable through loan product parameters without custom development.
Neobanks in emerging markets
Launch in weeks, not months. The Free plan gives you a full Fineract environment to prototype against. Upgrade to a dedicated deployment when you go live.
Banks replacing legacy core systems
Migrate loan portfolios and savings books using Fineract's bulk import tooling. Finecko manages the database migration, schema upgrades, and production cutover support.
Want the technical details?
The Finecko docs cover every feature end-to-end: API authentication, loan product configuration, COB batch processing, business events, and more.
Ready to get started?
The Free plan gives you access to the full Apache Fineract feature set. No credit card needed.