Buy it the way your institution buys software.
Amanova is priced on the size of your lending book and the people who run it: active loan accounts and staff users. Borrowers and applicants are unlimited and free, on every channel. Choose a hosted subscription, run it on your own servers, or sign one agreement for the whole group.
SaaS subscription
For lenders who prefer not to run servers.
Platform fee plus active loans
- Hosted, updated and backed up by us
- Shared service, or a dedicated instance in your country
- Monthly, quarterly or annual billing
- Start with a pilot on fictional data
Enterprise agreement
For banking groups with entities in several countries.
One yearly fee
- Every country your group lends in
- Unlimited or capped staff users
- Any way of running it
- Every module, multi-year terms
On-premises subscription
For banks whose regulator expects data in-house.
Yearly subscription per staff user and portfolio band
- Your data centre or private cloud
- Signed subscription file that works offline
- Updates, country-pack content and support included
- Optional on-premises AI
Air-gapped
For isolated networks.
Yearly subscription with offline packages
- Installation and updates from an offline package
- Usage report by file, no connection needed
- Rules engine or on-premises AI models
- Support through your own change process
Microfinance and fintech
For digital lenders that grow every month.
Platform fee plus loans disbursed
- Pay as your book grows, with included quantities
- Web, app, WhatsApp and USSD channels
- Alternative-data scoring for thin-file customers
- Monthly billing
Partners
For resellers and implementation partners in South Asia, the GCC and Africa.
Wholesale prices
- Serve lenders on our service or on their servers
- Partner prices per lender and per portfolio band
- Each lender in its own database
- Usage reports for every installation
Origination, credit decisions, servicing, compliance gates and the customer portal are always included. Amanova Intelligence (AI copilot, statement analysis, fraud checks and alternative data), collections and early warning, Islamic financing, assistant channels and the open API can be added. Prices are quoted in USD, SAR, AED, PKR, BDT, NGN or KES, with VAT or sales tax where it applies.
License the countries you lend in.
Each country comes as a pack: national ID and mobile formats, the credit bureau, payment rails, lending limits, Key Fact Statement and cooling-off rules, regulatory reports and the local currency. Packs are ready for Pakistan, Bangladesh, Saudi Arabia, the UAE, Nigeria, Kenya, Egypt, Ghana, Senegal and Mozambique.
Most plans include one country, with each further country priced per year. A group lending in several countries licenses each country once for the whole group. Rule updates arrive with each release, with a content version and review date.
- Each country is its own lending entity, in its own currency, with its own products.
- Customers pick their country and their language separately; amounts always follow the country.
- Countries outside your subscription stay visible for reference, so your team can see what each pack contains.
- Your compliance team confirms every rule before go-live; packs are starting points, not legal advice.
What counts as a staff user?
Anyone who works applications and loans: loan officers, underwriters, credit managers, compliance officers, collections staff and administrators. Borrowers, applicants and read-only viewers such as internal auditors are not counted.
Open-source foundations.
Amanova is built on the Frappe Framework, ERPNext and Frappe Lending, and is distributed under the GNU General Public License v3. You pay for the service around it: hosting, updates, country-pack content, support levels and implementation. Nothing locks you in. Trademarks and copyright
Implementation.
A fixed-price set-up covers your products and limits, your brand, connections to your core banking system, credit bureau and national ID service, data migration and staff training. Typical pilots go live in six to ten weeks.
Try before you decide.
The live demo has the complete product with a fictional lender in ten countries. For a pilot with your own products, get in touch.
See it with your own products.
Open the live demo now, or book a walkthrough and we will set it up with your products, limits and brand.