PeraNest is the complete financial operating system for microfinance admins — automating contributions, loans, credit scores, and year-end distributions in one platform.
You send reminder after reminder on Messenger. Half don't respond. You spend Saturday manually recording who paid and who didn't.
Your Excel formula has an error. Two members claim they paid and you can't find the receipt. The group loses trust in you as admin.
You manually calculate each member's CBU share, interest earned, and payout amount. Then someone questions your math anyway.
There are over 1 million informal microfinance groups in the Philippines. Almost all of them run on spreadsheets, notebooks, and Messenger.
PeraNest was built to change that.
Replace your spreadsheet. Automate your group. Build your members' financial future.
See your total CBU, active loans, cash on hand, and interest collected — all updating automatically the moment a payment comes in.
Members pay via GCash and upload proof. Your dashboard updates instantly. No more manual entry. No more missed payments.
From application to approval to repayment schedule — every loan is tracked, every payment recorded, every overdue loan flagged automatically.
Every contribution and repayment builds a member's PeraNest Credit Score — giving your members a financial identity that banks will eventually recognize.
Members receive push notifications 3 days before, day of, and after missed payments. You stop chasing. The system does it for you.
Calculate and distribute interest revenue shares to all members automatically at year-end. What used to take a weekend now takes 30 seconds.
Four steps to transform how your paluwagan or savings group operates.
Register your microfinance group on PeraNest. Set your contribution policy, interest rate, and loan limits. Takes 5 minutes.
Send your members a link to download the PeraNest app. They create their account, complete quick verification, and join your group.
Members pay via GCash, upload their proof, and your dashboard updates automatically. Overdue reminders go out without you lifting a finger.
Every on-time payment builds your members' credit scores. Your fund grows with interest. Year-end distribution calculated and ready to payout automatically.
Through the bayanihan spirit of community finance, every peso contributed builds a credit record that formal institutions have never seen.
"Every peso your members contribute on time is building a credit record that formal banks have never had access to. PeraNest is changing that."
Start free. Upgrade when your group grows. Compliant with Philippine Data Privacy Act RA 10173.
🔒 30-day money back guarantee. No questions asked.
"I used to spend every contribution day sending reminders to 23 members one by one. With PeraNest, I just check my dashboard and everything is already there. I don't know how I managed without it."
"The year-end distribution calculation used to take me a whole weekend. Now it's done in one click. My members actually trust the numbers now because everything is transparent."
"PeraNest generates recurring SaaS revenue while accumulating the Philippines' largest proprietary alternative credit dataset — creating a B2B credit intelligence API that banks and financial institutions will pay to access. We are building the credit infrastructure layer for 55 million unbanked Filipinos."
Investor Inquiries → hello@theperanest.comThe first 100 admins who join get 3 months Pro free. No credit card required.
We'll notify you as soon as PeraNest launches. Salamat!