The pre-screening recordyour credit committee can stand behind.
Every land-backed loan you approve carries the weight of your members' savings. Litmus gives your credit committee a documented pre-qualification report before disbursement — structured, timestamped, and built to sit in your SASRA credit file alongside the mandatory valuer's report.
The collateral documentation gap
SASRA requires documented collateral due diligence. Most SACCOs are doing this informally — and that gap shows up in examinations.
Informal pre-checks are not audit-ready
Your loan officers search Ardhisasa and make calls, but none of it is documented in a form a SASRA examiner or audit committee can review.
No portfolio visibility after disbursement
Once the loan is on the books, no one is watching the collateral parcel. A court filing or gazette notice can affect your security position without warning.
Member trust is the real collateral
When one member uses land as security, every other member relies on that verification being sound. A bad loan backed by fraudulent land affects everyone.
What Litmus verifies before your credit committee meets
Nine checks against official sources. Every finding documented, timestamped, and signed by a named analyst.
SASRA-compatible format
Reports structured to sit in your SACCO credit file alongside — not instead of — the mandatory VRB registered valuer's report.
Compliance-grade documentation
Timestamped, analyst-signed reports that give your audit committee an authoritative record of what was checked and when.
Portfolio monitoring
We watch every collateral parcel through the life of the loan and alert you when anything changes.
Court case cross-reference
Every parcel checked against the ELC database — active cases, historical disputes, and named parties.
Encumbrance and charge verification
Active charges, cautions, restrictions, and inhibitions that could affect your collateral position.
Priority 24–48 hr turnaround
Institutional clients default to priority processing. Reports arrive before your next credit committee meeting.
What you receive
Every report delivers one of three structured findings — no guesswork, no vague language.
No adverse records found at the date of assessment. No active court cases, no gazette notices, no registered encumbrances within scope.
Signals found that require attention or resolution before the transaction proceeds. Each condition is documented with the source and the recommended next step.
Evidence is insufficient to produce a reliable assessment for this parcel. We tell you why — and we do not issue a finding we cannot support.
Every report includes the source, the date of assessment, and the name of the analyst who reviewed it.
How it works
From submission to report in four steps.
SACCO joins Litmus
Sign the institutional agreement. Your credit committee gets access to the Litmus portal.
Verify on intake
Every loan application that lists land as collateral goes through Litmus before the credit committee meets.
Report enters the credit file
The Litmus pre-qualification report sits in your SASRA credit file — timestamped, documented, audit-ready.
We monitor through the loan term
New court filings or gazette notices surface in your dashboard. You know before it becomes a problem.
Frequently asked questions
Run a free five-parcel pilot with your credit committee.
No cost. No commitment. Five verifications on your real loan pipeline, reviewed with your team.
Pre-qualification intelligence — not legal advice. A qualified advocate should be consulted before any transaction.