core banking · microfinance & nbfc
Effortless Accuracy for your loan book — ease for your officers, control for your auditors.
The full loan lifecycle, teller and cashier control, cheque management and a customisable general ledger — in one secure system, proven with Sri Lankan microfinance institutions.
What core banking software should do for a Sri Lankan MFI or NBFC
For a Sri Lankan MFI or NBFC, a core banking system should run the full loan lifecycle — origination, appraisal, disbursement, collection — plus teller, cheque management and a general ledger, all audit-ready. Nanobotz’s Small Banking System does exactly this for licensed local lenders including Commercial Micro Credit, Kanrich and Ranbima.
Running a regulated loan book shouldn't mean fearing the audit.
Compliance reporting eats days you don't have. Officers wrestle a system they never enjoy. Arrears creep up before anyone sees the warning. And the thought of migrating off your current system feels riskier than living with its problems. None of that is a discipline failure — it's a systems failure.
- Compliance & audit. CBSL reporting rebuilt by hand, and an audit trail you have to reconstruct rather than simply print.
- Adoption. Officers and tellers working around the software instead of through it — which is where errors and leakage hide.
- Arrears. Portfolio quality that slips because the warning signs surface late, in a spreadsheet, after the fact.
- Migration fear. A loan book you daren’t move, so you stay locked to a system that no longer fits.
Does it handle the full lifecycle, teller and general ledger in one platform?
Yes. Origination, appraisal, disbursement and collection run as one lifecycle; teller and cashier control, cheque management, and a customisable chart of accounts and general ledger sit in the same system. One source of truth for your loan book and your books — not a loan tool bolted onto separate accounting.
What’s inside — and where to go deeper
Each area is its own page, written to answer the question you’d actually ask a vendor.
Loan management
The full lifecycle — origination, appraisal, disbursement, collection — plus teller, cashier control and a general ledger in one platform.
See loan managementCBSL compliance & audit
Audit trails and on-demand regulatory reporting, so proving compliance is a matter of minutes, not a days-long paper chase.
See complianceMigration
Move your loan book with a staged, parallel-run method — validated, reconciled and proven before cutover, not a risky overnight switch.
See the migration methodPricing & engagement
What a core banking system really involves in Sri Lanka, and how scope and implementation shape the engagement — qualitatively, no sticker games.
See pricing approachLocal vs foreign
The honest trade-off between a local system and a foreign core banking platform — language, CBSL fit, support, migration and price model.
Compare local vs foreignthe reframe
Not a longer feature list — a system your officers enjoy and your auditors trust.
Most microfinance software competes on the length of a feature grid. We compete on something harder to fake: Effortless Accuracy — software simple enough that officers adopt it willingly, yet accurate enough for an audit or a regulator. That means real local-language support in Sinhala, Tamil and English, an interface staff don’t fight, and an AI layer that answers questions about your own portfolio — not a bolt-on that widens the feature list without changing the day-to-day.
Where a system helps your officers and satisfies your auditors at the same time, the feature count stops being the argument.
CBSL fit and audit-readiness, built in — not bolted on.
The system is built for CBSL-regulated lenders, with audit trails on every action and on-demand regulatory reporting, so proving compliance is a matter of minutes rather than a manual reconstruction. Our approach to data handling, access control and hosting is something we’ll walk your IT and compliance team through directly.
You're a smaller vendor — can a regulated institution rely on you?
Nanobotz has run software for regulated Sri Lankan lenders since 2014, with 70+ client organisations and 18,000+ active users, and provides local, ongoing support. Licensed lenders including Commercial Micro Credit, Kanrich, Ranbima and Citizen Cooperative Bank run on our systems — the continuity and proximity a regulated institution needs.
proof
Institutions bet on our systems.
The same team trusted to digitise government institutions builds your core banking system. 70+ organisations, 18,000+ daily users, since 2014.
National Housing Development Authority
Cut process time by 60% with eBreeze.
Read the storyNational Productivity Secretariat
40% less paper. 50% lower award-management cost.
Read the story18,000+ users · 70+ organisations
Across food, finance, government, retail and support — building since 2014, with JICA-supported initiatives along the way.
Read the storyAsk your portfolio a question.
Bota, our AI assistant, connects to your own data — so an officer can ask about arrears, a branch’s collections or a client’s history in Sinhala, Tamil or English, and get an answer grounded in your system rather than a generic script.
How Bota AI worksFrequently asked questions
What core banking / loan software do NBFCs and MFIs use in Sri Lanka?
Sri Lankan microfinance institutions and NBFCs use core banking systems that run the full loan lifecycle — origination, appraisal, disbursement, collection — plus teller, cheque management and a general ledger. Nanobotz's Small Banking System does this for licensed local lenders including Commercial Micro Credit, Kanrich and Ranbima.
Is it CBSL-compliant and audit-ready?
The system is built for CBSL-regulated lenders, with audit trails and on-demand regulatory reporting so you can prove compliance quickly. Specific certifications are confirmed with your team during a security review.
Does it handle the full lifecycle plus GL in one platform?
Yes — origination through collection, teller/cashier control, cheque management and a customisable chart of accounts / general ledger sit in one system, rather than a loan tool bolted to separate accounting.
You're a smaller vendor — can we rely on you?
Nanobotz has run software for regulated Sri Lankan lenders since 2014, with 70+ client organisations and 18,000+ active users, and provides local, ongoing support — the continuity a regulated institution needs.
Last updated July 2026.
talk to a lender already running on it
See it on your own loan book.
A walkthrough on your workflow — origination to collection, teller to GL — not a generic tour. Or talk to a Sri Lankan MFI already running on Nanobotz before you decide.
30 minutes, on your own numbers. We reply within one business day.