finaloSmart Systems. Smarter Banking.
Finalo powers microfinance institutions, community banks, and enterprises with secure, scalable, and deeply integrated financial infrastructure.
Android & iOS apps coming soon
// Products
Two Editions. One Platform.
Finalo comes in two editions - choose the one built for your institution type.
Regulated Pro
For licensed institutions
Built for institutions operating under formal regulatory oversight, with compliance tooling, audit-ready reporting, and features aligned with financial regulations.
- Licensed Specialised Banks
- Licensed Microfinance Institutions
Unregulated Pro
For informal credit providers
Lightweight and flexible for community-based daily and weekly loan operations - manage lending, collections, and savings without regulatory overhead.
- Daily Loan Granting Companies
- Weekly Loan Granting Companies
// Why Finalo
Built for Modern Finance
Every feature is designed around the real-world needs of financial institutions - from security to scale.
Bank-Grade Security
2FA, role-based access, CSRF protection and full activity audit logging across every panel.
Risk & Performance Suite
PAR trend analysis, DTI, credit ratings, early-warning indicators and live KPI dashboards.
Reconciliation & EOD
Daily and monthly reconciliation, discrepancy tracking and full end-of-day financial close.
Enterprise Ready
Encrypted backups, audit logs, company settings and factory reset - built for institutions.
Staff & Collector Tools
Permission panels, per-user 2FA, collector & area assignment, and group management.
Full Loan Lifecycle
Application, approval, disbursement, rescheduling, waivers, write-offs and closure.
// Roadmap
What's Next
Upcoming minor updates shipping free to all Pro package holders between v1.0.0 and v2.0.0.
Security & Bug Fixes
Security patches, vulnerability hardening, and targeted bug fixes across the core system.
Theme Toggle
Users can switch between light and dark mode directly from within the Finalo application.
Language Support
Full interface translation in English, Sinhala, and Tamil - making Finalo accessible to every team.
Pro Package · v1.0.0 → v2.0.0
All minor updates between v1.0.0 and v2.0.0 are free for Pro package holders.
// Pricing
Choose Your Plan
No credit card required. Every plan below starts with a full free trial.
One-time license price without ongoing support and updates.
Starter
One PC, fully offline
Run the core of your microfinance operation on a single Windows PC - fully offline, no internet required, no server needed.
- Single-device installation (1 Windows PC)
- Up to 500 client accounts
- Secure login with OTP-based 2FA & audit log
- Client management with NIC validation
- Loan products & full application-to-closure lifecycle
- Guarantor registration & repayment scheduling
- Repayment entry with receipts
- Savings accounts - deposits, withdrawals & interest schedules
- Automatic penalty calculation & due payment dashboard
- Daily reconciliation & end-of-day close
- Core dashboard with portfolio overview
- 1-month warranty included
- Multi-user / multi-device access
- Risk analysis & PAR trend suite
- Report Center (12 report types)
- Staff, collector & group management
- Encrypted backup & restore
Pro
Multi-user, one branch, fully offline
Everything in Starter, built for a whole branch - multiple staff on multiple Windows PCs working over your local network, with the full risk, reporting and staff toolkit. Still completely offline, no internet required.
- Multi-user access across unlimited Windows PCs on one branch network
- Unlimited client accounts & admin users
- Loan rescheduling, waivers, write-offs & legal flagging
- NPA detection & batch arrears tracking
- Daily + monthly reconciliation with discrepancy tracking
- Full accounting - petty cash, bank charges & cash collection
- Report Center - 12 reports across portfolio, risk & staff
- Risk suite - PAR trends, DTI, credit rating & early warnings
- Collaterals, guarantors & borrower data export
- Staff management with role permissions & per-user 2FA
- Collectors, areas & group management
- Encrypted backup & restore
- 1-month warranty included
Enterprise
Custom system, built for you
A fully customised version of Finalo tailored to your institution's specific workflows, integrations, and scale. Contact alicornex to discuss your requirements.
- Everything in Pro, fully customised
- Multi-branch & multi-region support
- Custom modules & workflow automation
- White-label branding options
- Dedicated onboarding & training
- Priority 24/7 support & SLA
- Custom integrations & API access
- Bespoke reporting & analytics
// Testimonials
Trusted by Our Clients
"As a microfinance company, portfolio accuracy is everything. Finalo's PAR trend analysis, risk suite, and daily reconciliation gave us a level of visibility we simply didn't have before. The system paid for itself within the first quarter of use."
Branch Manager
HDC Limited
"Finalo completely transformed how we run our financial operations. The offline-first design means our team works without interruption, and the full loan lifecycle management has cut our processing time in half. An essential system for any serious institution."
CEO
Madhushan Investments
// FAQ
Common Questions
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