NEW The financial OS for community microfinance

Run your savings group
like a real institution.

PeraNest replaces spreadsheets, group chats, and manual math with one platform - automating contributions, loans, credit scores, and year-end distributions for Filipino microfinance admins.

Get Started Free See How It Works

A community savings group meeting together

₱48,000

Total group savings

685

Credit Score

Level 7

▲ Good standing

The daily reality

Every month, the same spreadsheet nightmare.

Thousands of Filipino microfinance admins lose entire weekends to manual tracking, disputes, and math.

💬

Chasing 20 people every contribution day

You send reminder after reminder on Messenger. Half don't respond. You spend Saturday manually recording who paid and who didn't.

📊

Members dispute your calculations

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.

🧮

Year-end distribution eats a weekend

You manually calculate each member's CBU share, interest earned, and payout. Then someone questions your math anyway.

Over 1 million informal microfinance groups in the Philippines still run on spreadsheets, notebooks, and group chats.

PeraNest was built to change that.

The platform

One platform. Everything your group needs.

Replace your spreadsheet. Automate your group. Build your members' financial future.

Real-Time Fund Overview

See your total CBU, active loans, cash on hand, and interest collected, all updating automatically the moment a payment comes in.

Automated Contribution Tracking

Members pay via GCash and upload proof. Your dashboard updates instantly. No more manual entry. No more missed payments.

Complete Loan Lifecycle

From application to approval to repayment schedule, every loan is tracked, every payment recorded, every overdue loan flagged automatically.

Proprietary Credit Scoring

Every contribution and repayment builds a member's PeraNest Credit Score, giving your members a financial identity banks will eventually recognize.

Automated Payment Reminders

Members get push notifications 3 days before, day of, and after missed payments. You stop chasing. The system does it for you.

One-Click Distribution

Calculate and distribute interest revenue shares to all members automatically at year-end. What took a weekend now takes 30 seconds.

Getting started

From spreadsheet to automated in minutes.

Four steps to transform how your paluwagan or savings group operates.

Create Your Group

Invite Your Members

Send a link to download the app. Members create their account, verify, and join your group.

Contributions Run Themselves

Members pay via GCash and upload proof. Your dashboard updates automatically. Reminders go out on their own.

Members Build Credit. Fund Grows.

Every on-time payment builds member credit. Your fund grows with interest. Year-end payout is ready in one click.

The credit layer

Your members are financially invisible. PeraNest changes that.

Through the bayanihan spirit of community finance, every peso contributed builds a credit record formal institutions have never seen.

Filipinos with no formal credit record

Global microfinance market by 2035

Banks that can currently see your members' repayment history

PERANEST SCORE

JUAN DELA CRUZ

Level 7 → Level 8

4,200 / 5,000 XP

685 GOOD

Payment History✓ Excellent

Loan History✓ 3 Loans Repaid

Tenure✓ 18 Months

Consistency✓ 18/18 On Time

Max Loan Limit: ₱40,000

"Every peso your members contribute on time is building a credit record formal banks have never had access to. PeraNest is changing that."

Loved by admins

Trusted by admins who know the spreadsheet pain.

★★★★★

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.

Maria S.

Microfinance Admin, Davao City

★★★★★

The year-end distribution 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.

Rina T.

Savings Group Organizer, Cebu

Pricing

Simple, transparent pricing.

Start free. Upgrade when your group grows. No hidden fees.

Get Started

Starter

₱0 / month

Up to 15 members

✓ Contribution tracking
✓ Basic loan management
✓ Member app access
✓ Basic dashboard
✗ Auto-reminders
✗ Credit scoring

Start Free

Financial infrastructure for the informal Filipino economy.

₱654B

Global microfinance market by 2035

Growing at 10.61% CAGR

55M

Credit-invisible Filipinos

Zero formal credit record

1M+

Informal microfinance groups

Still running on spreadsheets

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.com

Early access

Be among the first 100 admins.

The first 100 admins who join get 3 months Pro free. No credit card required.

🎉

You're on the list!

We'll notify you as soon as PeraNest launches. Salamat!

✓ Free to join ✓ No credit card ✓ Launch notification

47 admins already on the waitlist

Run your savings group like a real institution.