Member money, honestly accounted
Every share, deposit and repayment posts to the member's ledger and the union's general ledger in the same transaction. Statements show principal and interest separately, because members ask.
Core system for credit unions & cooperatives
The whole credit union, on one ledger.
Membership, shares, savings, loans, dividends and regulatory returns: set up by you, run by your officers, and traced from every member's statement to the general ledger.
- Free to set up
- Practise on sample data
- Go live when you're ready
West Africa
- Nigeria
- Ghana
- Senegal
- Côte d'Ivoire
- Sierra Leone
- Liberia
- The Gambia
- Guinea
- Guinea-Bissau
- Cabo Verde
- Mali
- Burkina Faso
- Niger
- Benin
- Togo
Central Africa
- Cameroon
- DR Congo
- Congo
- Gabon
- Chad
- Central African Republic
- Equatorial Guinea
- São Tomé and Príncipe
East Africa
- Kenya
- Uganda
- Tanzania
- Rwanda
- Burundi
- Ethiopia
- South Sudan
Southern Africa
- South Africa
- Botswana
- Namibia
- Zimbabwe
- Zambia
- Malawi
- Mozambique
- Angola
- Lesotho
- Eswatini
Self-service See every step
Live in days, without waiting for anyone.
No sales call, no consultant, no installation. Your own officers set the society up, at their own pace, with help on every screen.
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Step 1: Register
Your society, your details, five minutes.
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Step 2: Practise
Try every screen on a sample society with 200 members.
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Step 3: Set your rules
Share price, fees, loan multiplier: from your bye-laws, explained as you go.
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Step 4: Go live
Get verified, bring your members across, and post your first transaction.
Why Bridge
Built the way credit unions actually work.
Governance built in
Secretary, treasurer, credit committee, supervisory committee and board each get exactly the powers of their office. The supervisory committee can see everything and change nothing.
One platform for the movement
Primaries, district unions and apexes run on the same system. Dues, placements and refinance flow between them, and consolidated reports eliminate what the group owes itself.
The platform
Everything your society does, in one place.
Five areas your officers use every week. Each one is a full page of detail when you want it.
A register that keeps itself
Admit members against your common bond, keep the share register, and settle exits in one step.
- Common-bond evidence on admission
- Share purchases, transfers and limits
- Nominated beneficiaries
Every kind of saving
As many deposit products as your bye-laws allow, each with its own rules for withdrawal, security and borrowing power.
- BOSA, FOSA, target and fixed deposits
- Standing orders
- Dormancy without forfeiture
Every loan, every stage
From 'what could I borrow?' to repayment, arrears, restructure and write-off.
- Multiplier-based eligibility
- Guarantors kept informed
- Payroll check-off
A year-end members understand
Appropriate the statutory reserve first, then declare dividends and interest rebates with a per-member explanation.
- Reserve appropriation first
- Time-weighted balances
- Per-member explanations
Ready for the regulator
Country prudential rules, monthly returns ready to attest, and read-only access for auditors.
- Capital and liquidity returns
- Consolidated group reports
- Full audit trail
Clarity for members
Three numbers that are never confused.
What a member can withdraw today, what they can pledge as security, and what counts toward their borrowing limit are different amounts. Bridge shows all three, account by account, with the reason for every naira held.
- Held by guarantees, shown with the loan it secures
- Notice periods, with the date funds become available
- Early-withdrawal penalties, calculated before the member decides
For members
Their society, in their pocket.
With the member app, members get a wallet, their savings, shares and loans, and Bridge payments in one place, on the same ledger your officers run.
Coming
- A wallet with its own account number
- Transfers, bill payments, vouchers, escrow and offline payments
- Loan applications that land on your pipeline
- Guarantee requests answered in a tap
For officers
Made for the people who run the society.
Most credit unions are run by a small team and a volunteer board. Bridge does the arithmetic, enforces the bye-laws and keeps the register. It explains itself on every screen, so nobody needs training to start.
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- 4
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Owned by members
Democratic control, enforced by the system.
Office terms that end on time. Directors vetted before they act. Notices that prove they were delivered. Write-offs and guarantee calls that only the board can approve.
Governance & roles → For networks
Running a network of societies?
District unions and apexes run on the same apparatus as the primaries they serve, with their own members, books, board and committees, linked by affiliation.
- Charge and settle affiliation dues
- Accept placements and refinance primaries
- Charter and incubate new societies, then graduate them
- Consolidated reports with intra-group balances eliminated
Bring your members across yourself.
Import members, shares, deposits, loans and guarantees from a spreadsheet template. Bridge checks every row and reconciles every opening balance before anything is posted.
Built on regulated payments infrastructure.
Encryption, multi-factor sign-in for every officer, two-person approvals on money and a complete audit trail.
Questions officers ask
Do we need to talk to anyone to get started?
No. Register, practise and set up at your own pace. Help is on every screen, and our support team is there if you want it.
Can we keep our own bye-law rules?
Yes. Share price and limits, entrance fees, loan multipliers, guarantor rules, notice periods and dividend policy are set per society during set-up.
How long does it take to go live?
Most of set-up takes an afternoon. Verification status shows in your set-up checklist as it moves. Importing members depends on how tidy your records are. The import checks them for you.
Do members need a smartphone?
No. Officers serve members through the dashboard, members pay by transfer or payroll check-off, and notices go by SMS.
Can a district union and its member societies all use Bridge?
Yes. Each runs as its own union, linked by affiliation, with consolidated reporting at every level.
How is it priced?
Free to set up and practise. Once your society is live, you pay per active member per month. See Pricing.
Set up your society on Bridge.
Register free, practise on sample data, and go live when you're ready. No sales call needed.
Free to set up and practise. You pay only once you're live.