NEW Built for microfinance & community lending

Send a text. Collect on time.

Late payments hurt your cash flow and push borrowers toward default. EchoCue sends automated, respectful SMS & WhatsApp payment reminders so borrowers pay on time, in their own language, without awkward phone calls. +35% on-time repayment.

Start free trial → See how it works

No credit card · Live in 10 minutes · Cancel anytime

+35% on-time repayment
Multi-language
9:41
‹
CM
Community Microloan
SMS / iMessage
⌕
Today 4:30 PM
Hi Ms. Omondi, your $50 payment is due Friday. Reply HELP for support. Reply STOP to opt out.
Sent today via M-Pesa.
Delivered · Read 4:32 PM
Received. $200 balance remaining. Thank you, Ms. Omondi.
+
iMessage
↑
Plays with the tools you already use
Google Calendar WhatsApp Business Stripe Zapier Make n8n REST API
What your borrowers see

Every reminder lands in their pocket. Respectful, in their language.

Four real message types. Sent from your institution's own number so borrowers recognise the sender and actually open it.

A · Pre-due

Payment-due reminder T-3d

Quiet, respectful nudge. Borrowers pay on time.

CM
Community Microloan
Your $50 payment is due Friday. Pay via M-Pesa or your portal.
B · Receipt

Payment confirmation

Fires the moment the payment posts. Borrower has proof.

CM
Community Microloan
$50 payment received. Balance: $200. Thank you for staying on track.
C · Past-due

Gentle past-due notice T+3d

Respectful escalation. Configurable per loan type.

CM
Community Microloan
Hi Ms. Omondi, your payment is 3 days past due. Reply for help arranging.
D · Approval

Loan approval notification

Borrower knows the moment funds are released.

CM
Community Microloan
Your loan has been approved. $500 disbursed to your account today.
How it works

One quiet, automatic workflow.

Set it up once. EchoCue does the rest while your loan officers focus on origination and relationships.

01 · Connects to your loan management system

Plug in via REST API + webhooks.

Loan disbursed, payment due, payment received, past-due triggered: every event fires the right reminder. Zapier covers smaller operations.

  • REST API + webhooks
  • Multi-language templates
  • Works with your institution's number
EC
EchoCue
System
Loan ledger API connected ✓
428 active loans synced
Past-due flows configured per loan type
Setup time · 22 min
02 · Multi-language reminders meet borrowers where they are

Swahili, Spanish, Portuguese, English, more.

Templates per borrower preference. Critical for emerging-market reach because borrowers actually read messages in their own language.

  • Per-borrower language preference
  • WhatsApp + SMS routing
  • Verified Meta Tech Provider
CM
Community Microloan
WhatsApp
Today 9:00 AM
Habari Ms. Omondi, malipo ya $50 yatakwisha siku ya Ijumaa. Jibu HELP kwa msaada.
Pesa imefika. Salio: $200.
03 · Past-due flows escalate respectfully

T+1d, T+3d, T+7d, T+14d, configurable per loan type.

Cadence is gentle by design. Borrowers feel respected, not chased. On-time recovery climbs without the relationship damage of harsh collections.

  • Configurable escalation cadence
  • Reply HELP routes to loan officer
  • Restructuring conversations stay in-channel
CM
Community Microloan
SMS
Monday 9:00 AM
Hi Ms. Omondi, your payment is 3 days past due.
Reply HELP if you need to arrange a different schedule.
HELP, can we move to next Friday?
Scale

Lending across multiple branches?

Send repayment reminders and disbursement confirmations from the branch number the borrower applied through, so recipients recognize and trust the message. A single-branch lender and a national MFI both run on the same platform, under one workspace.

Plan limits: 1 device on Free and Starter, 4 on Growth, 12 on Scale. SMS phones and WhatsApp numbers share the same limit.

The change

What changes when EchoCue is on.

A typical institution before vs. 90 days after rolling out EchoCue. Numbers from the 40+ microfinance and community lenders on the platform today.

Before

The slow leak no one's measuring.

  • On-time payment rate around 60-70%
  • Loan officers spend hours on collections calls
  • Past-due payments escalate to default before catching up
  • Default rate climbs each quarter
  • Borrower relationships strain under repeated phone calls
After EchoCue

Quiet automation, measurable lift.

  • On-time payment rate climbs 35%+ within 90 days
  • Loan officers spend hours per week back on origination
  • Past-due flows catch borrowers before default
  • Default rate drops 22%+ on average
  • Borrower relationships strengthen thanks to respectful reminders
Estimated recovery

What does this look like on your monthly P&L?

200 active loans
$1,800+
in interest preserved per month
500 active loans
$4,500+
in interest preserved per month
1,500 active loans
$13,500+
in interest preserved per month
$9 net average per loan/month From reduced default + faster collection
From the loan officers

Built for lenders. Trusted by borrowers.

★★★★★
"On-time repayment is up 35%. Borrowers appreciate the respectful reminders. The relationship is stronger, not weaker."
PO
Patricia Omondi Community Microloan Fund
★★★★★
"WhatsApp is the only channel borrowers actually read in our rural markets. Defaults are trending down. The system is essential."
CM
Carlos Mendoza Andes Microcredit
★★★★★
"Multi-language templates let us serve borrowers in their preferred language. Repayment rates climbed in every region we deployed."
AO
Amara Okafor West African Lending Network
Pricing

Plans start at $29/month.

14-day free trial. No credit card. Cancel anytime.

See full pricing →
Answered honestly

Frequently asked, plainly answered.

Does it work with my loan management system?

Yes, REST API + webhooks; Zapier covers smaller operations. Musoni, Mambu and custom in-house ledgers all integrate cleanly.

Can it send messages in Swahili / Spanish / Portuguese?

Yes, multi-language templates per borrower preference. Swahili, Spanish, Portuguese, English, French, Arabic, Hindi and more render automatically based on each borrower's language flag.

Can past-due flows escalate over time?

Yes, configurable cadence (T+1, T+3, T+7, T+14) per loan type. Group loans, individual loans and business loans each carry their own tone and timing.

Does it support WhatsApp?

Yes, verified Meta Tech, unlimited WhatsApp messages on paid plans. Essential for emerging-market reach where WhatsApp routinely outperforms SMS for engagement.

Can borrowers reply to ask for restructuring?

Yes, replies route to the assigned loan officer's inbox. Searchable, assignable, archived. Borrowers who flag hardship early are far easier to work with than those who go silent.

How quickly can I get started?

Under an hour for full ledger integration; under 10 minutes for a manual-import pilot. Upload a CSV of borrowers, set your reminder cadence, and you're live the same afternoon.

Begin

Collect more on time. Default less.

Join 40+ microfinance and lending institutions running EchoCue. No card on file. Set up takes under ten minutes.

Start your free trial →

No credit card · Cancel anytime · 10-minute setup