“Most groups don’t die of fraud. They die of ambiguity.”

Built for Chamaas, SACCOs & Investment Clubs

Your Group,Professionally Run

Whether you’re a Chama, SACCO, or Investment Club — RoundCircle gives you real accounting, M-Pesa integration, automated loans, and governance tools that keep your group honest. Nobody on your committee needs to know what a debit is.

Start Free — 30 DaysSee What You Get
30 Daysfree, no card required
M-Pesanative integration
Double-entryGL accounting
Any group typeChama · SACCO · Club
Group Standing
KSh 2.4MTotal Contributions This Period
M-Pesa received · KSh 5,000
Auto-allocated instantly
GL Auto-posted
DrCash Account5,000
CrMember Savings5,000
Loan disbursed to Jane W. · KSh 50,000
One platform, every group type

Pick your group — we configure the rest

The setup wizard detects your group type and pre-configures your accounts, loan products, and contribution cycles. You start with a working system, not a blank slate.

Chama

Savings & Investment Chama

  • Monthly contributions with automatic allocation per member
  • Member loans with guarantors and repayment schedules
  • Welfare fund, governance fines, and meeting management
  • Unit shares, NAV snapshots, and member exit handling
SACCO

Savings & Credit Co-operative

  • Full double-entry General Ledger with period locking
  • Staff management, HR roles, and performance appraisals
  • Bank reconciliation with three-path automatch
  • Quorum-based approvals for formal governance
Investment Club

Investment Club

  • Unit NAV calculations and member equity tracking
  • Dividend declaration and distribution
  • Share exit requests and buyback workflows
  • Investment visibility per member
Table Banking

Table Banking Group

  • Rotating credit: members borrow from the pooled table fund
  • Simple interest on short-cycle loans, tracked to the day
  • End-of-cycle payout — profit distributed per contribution share
  • M-Pesa checkout & reminders built in
Special Purpose Fund

Special Purpose Fund

  • Goal-based pooling: land purchase, equipment, project
  • Milestone tracking — target vs. collected, always visible
  • Member contribution ledger with M-Pesa auto-allocation
  • Close the fund & distribute remaining balance cleanly
Why groups need better tools

The old way breaks as your group grows

Here’s exactly what changes when you move from WhatsApp & spreadsheets to RoundCircle.

The Old Way
With RoundCircle
Treasurer decides what a payment was for — from memory, after the fact
Allocation engine decides by rule the instant M-Pesa confirms
Record lives in notebooks, spreadsheets, and a phone gallery of screenshots
One ledger, one balance, always current
Loan interest hand-calculated. Re-checked never.
Generated automatically at disbursement, per the product’s terms
Only the treasurer can answer a balance question — if they remember
Anyone with access, in seconds
Treasurer leaves — institutional memory leaves with them
Nothing changes. The record was never in anyone’s head.
Approvals: a thumbs-up emoji in a group chat
Recorded decision tied to the transaction, permanently
Bank reconciliation: a stressful afternoon at month end, if it happens at all
Three-path automatch. Period locks once verified.
Chasing members: individual phone calls, week after week
Automated M-Pesa reminders, escalation, and member self-checkout
A complete financial operating system

Everything your group needs, in one platform

M-Pesa Auto-Integration

M-Pesa payments arrive in real-time via webhook, get auto-receipted, posted to the GL, and allocated to the correct member and period — with zero manual data entry.

Webhook · Auto-Allocation · Real-time

Double-Entry Accounting

Every payment posts balanced GL entries. Full audit trail — trace any transaction from M-Pesa receipt to ledger posting in seconds.

Smart Contribution Allocation

Payments are split and applied to the right obligation periods automatically. Surplus carries forward. Partial payments are tracked cleanly.

Automated Loan Management

Three interest methods, guarantor validation, repayment schedules, nightly penalty assessment, and full default recovery workflow.

Bank Reconciliation

Upload your bank statement. Three-path automatch — GL reference, external ID, and phone number — clears most lines automatically.

Shares & Unit Equity

Track member ownership stakes. NAV snapshots, share exits, and unit-based collateral for loan eligibility.

Governance & Approvals

Role-based approval policies for transactions, loans, and withdrawals. Quorum rules enforced automatically.

Welfare & Fines

Dedicated welfare fund separate from savings. Governance fines for meeting lateness. All tracked in the GL automatically.

Member Portals

Every member sees their contributions, loans, shares, and statements on demand. No more chasing the treasurer.

NEW

Staff Management & Appraisals

Manage SACCO staff, define HR roles, run performance appraisals, and track assessments — all within RoundCircle.

Simple to start, powerful at scale

Up and running in three steps

01

Pick your group type and set up

Run the guided setup wizard, choose your group type (Chama, SACCO, or Investment Club), and your accounts and loan products are pre-configured. The Setup Health dashboard confirms everything is wired before you go live.

02

Members join and pay

Members join via invite link. M-Pesa and cash payments arrive in real-time via webhook. Each payment is auto-receipted, posted to the GL, and allocated to the correct obligation period automatically.

03

Everything runs itself

Nightly penalty jobs, period close reminders, loan repayment nudges, unit issuance sweeps, and bank reconciliation automatch. Your Chama runs like clockwork with no manual labour.

Built for everyone in your Chama

Powerful for admins. Simple for members.

Chamaa Admin and Treasurer

  • Collect and auto-allocate M-Pesa and cash payments in real-time
  • Approve transactions, loans, and withdrawals with quorum rules
  • Manage the full loan lifecycle: application, disbursement, repayment, default recovery
  • Reconcile bank statements with three-path automatch engine
  • View and trace the full General Ledger with audit trail
  • Close accounting and reconciliation periods with GL locking
  • Publish unit NAV snapshots and manage share exits
  • Configure roles, permissions, and approval policies per action type

Chama Member

  • View personal standing: contributions, loans, and unit balance at a glance
  • Pay via M-Pesa and have it auto-allocated to the correct obligation
  • Apply for loans with guarantor nominations and track approval status
  • Track your repayment schedule installment by installment
  • Download detailed contribution statements on demand
  • See group standing and peer accountability view
  • Request unit exits (share buyback) when eligible
  • Receive smart notifications for reminders and approval decisions
Not spreadsheets

Professional double-entry accounting

Every financial event posts balanced GL entries with a complete audit trail. Reference Codes link every entry to its source, so you can trace any payment from M-Pesa receipt to GL posting in seconds.

Chart of Accounts pre-configured for your group type
Period locking prevents backdating after close
Loan write-offs post automatically to the ledger
Bank reconciliation with three-path automatch
Trace any payment from M-Pesa to ledger in seconds
DateReferenceDescriptionDebitCredit
15 JunTRX-00124M-Pesa Receipt · Jane W.5,000—
15 JunTRX-00124Member Contributions Payable—5,000
15 JunALLOC-089Contributions Payable · Jan 20255,000—
15 JunALLOC-089Member Savings · Jane W.—5,000
Auto-posted · No manual entry required
Simple, transparent pricing

Everything Your Chama Needs, From Day One

30 days free, no card required. Contributions, loans, welfare and fines are included from the start — upgrade only when you need investment features.

FAQ

Frequently Asked Questions

Yes. RoundCircle receives M-Pesa payment confirmations in real-time via webhook integration. Each payment is automatically receipted, posted to the General Ledger, and allocated to the correct member obligation with no manual data entry required.

RoundCircle supports three interest calculation methods: Simple Interest, Reducing Balance, and Amortization. Each loan product is configured with its own interest method, rate, term, grace period, origination premium, and penalty rate for overdue installments.

RoundCircle allocates payments automatically. The default strategy advances all obligations evenly; Priority-Forward fills the most urgent first. Surplus is carried to future periods. Partial payments are tracked cleanly — no manual splitting required.

Yes. One RoundCircle account can belong to multiple organizations. Each Chama has completely separate accounting, members, loans, and settings. A unified dashboard lets you switch between groups and see combined KPIs.

Yes. Every financial event posts balanced double-entry GL entries (debit equals credit). The General Ledger is fully queryable with date filters and Reference Code tracing, linking every entry back to its source transaction.

Upload your bank statement CSV. RoundCircle uses three-path automatch: direct GL reference matching, external transaction ID matching, and phone number pivot matching. Unmatched lines are logged as expenses, income, or ignored with notes. Formal reconciliation periods provide a sign-off workflow.

The nightly penalty assessment job marks overdue installments automatically. If a loan enters default, the recovery workflow seizes collateral (swept units and Allocation Locks), calculates any deficiency, and posts a write-off GL entry for unrecoverable balance.

Contact

Contact Us

Address

PO Box 23007-00604, Lower Kabete, Kenya

Call Us

+254 700 xxx xxx