Horizone Operations for Community Lenders
Horizone is a cloud software subscription for recordkeeping, staff management, member records, ledger bookkeeping and reporting. Horizone is not a bank, not a payment processor, and never touches customer money — we sell back-office software, nothing more.
Horizone Operations is a B2B SaaS subscription that helps community lenders, cooperatives and microfinance organizations manage recordkeeping, staff, member records, compliance files and reporting from one secure workspace. Horizone is not a bank and does not process, hold, or move customer funds.
What Horizone Operations does
Horizone Operations is a B2B SaaS subscription that gives community lenders, savings cooperatives and microfinance institutions one secure workspace for member recordkeeping, loan bookkeeping, compliance files, staff management and reporting.
Member recordkeeping
Loan bookkeeping
Compliance files
Reporting
Staff management
We never process, hold, or move your customers' funds
Horizone is back-office software. All deposits, withdrawals, transfers and loan disbursements are recorded in your workspace, but the actual movement of money happens through your own regulated bank or mobile money provider.
Subscription payments for Horizone are processed by our online reseller, Paddle.com, who acts as the Merchant of Record for all orders. Paddle handles checkout, tax, invoicing, customer service inquiries and returns on our behalf.
What Horizone is — and isn't
A cloud software subscription that community lenders and savings cooperatives use for member recordkeeping, staff management, loan bookkeeping, compliance files and reporting. Customers pay us a monthly software fee to access the tools.
Horizone is not a bank, not a payment processor and not a money-services business. We do not hold, move or custody customer funds. All actual payments are made by our customers through their own regulated bank and mobile money providers — Horizone only records those movements.
Everything You Need to Run Your Operations
From the front desk to the back office, Horizone gives community lenders and savings cooperatives the recordkeeping, staff and reporting toolkit — as a monthly software subscription.
Member Recordkeeping
Ledgers, journals, chart of accounts and a double-entry engine for accurate books.
Loan Bookkeeping
Track applications, schedules, repayments and collateral records for loans your institution issues.
Activity Ledger
Keep an internal record of transactions your institution logs for its own bookkeeping. Horizone is software only — it does not process, route, or hold any funds.
Compliance Records
KYC files, sanctions checks, audit logs and regulator-ready reporting templates.
Branches & Staff
Manage tellers, mobile bankers, branch managers, attendance and payroll in one place.
Reports & Analytics
Live dashboards, downloadable reports and regulator-ready insights.
How It Works
Create Your Workspace
Spin up a tenant in minutes — invite your team and configure your branches.
Turn On Modules
Enable member records, loan bookkeeping, compliance files and reporting as you need them.
Go Live
Onboard customers, move money and run reports — all from one secure cloud.
Frequently asked questions
Common questions about Horizone Operations — back-office software for microfinance institutions, credit unions, savings cooperatives and susu collection teams.
- What is Horizone Operations?
- Horizone Operations is cloud back-office software for community lenders, savings cooperatives, susu collectors and microfinance institutions. It keeps member records, loan bookkeeping, staff and branch management, compliance files and reporting in one secure workspace.
- Does Horizone process or hold customer funds?
- No. Horizone is a software subscription only. We never process, hold or move customer funds — your institution keeps full control of money movement through its own regulated channels.
- Who is this microfinance and cooperative software for?
- Microfinance institutions, credit unions, savings and loan cooperatives, susu collection groups, mobile banker teams and community lenders that need multi-branch recordkeeping and reporting.
- Can each workspace connect its own SMS and payment providers?
- Yes. Every workspace can activate its own SMS gateway and mobile money or bank transfer provider credentials, so notifications and reconciliation run under your own accounts.
- How much does Horizone Operations cost?
- Start free, then upgrade to Pro for $49 per month or $490 per year. Billing is handled by Paddle as Merchant of Record.
Ready to modernize your back office?
Spin up a workspace in minutes. Invite your team, configure your branches, and serve your first customer today.