About Kamela Cloud
Kamela Cloud is lending-operations software operated by Circle Core Technologies (Pty) Ltd. Our purpose is to provide structured tools for credit providers to manage customers, agreements, repayments, collections, capital, teams, and immutable audit evidence from one reliable platform.
Kamela Cloud is cloud-based lending-operations software. It helps lending businesses and credit providers streamline day-to-day operations—organising borrower portfolios, calculating schedule arithmetic, allocating repayments, tracking overdue arrears, delegating tasks across branch staff, and retaining audit trails.
Kamela Cloud currently provides software services and does not receive or hold borrower repayment funds. Kamela Cloud is not currently presented as a bank or funds-holding payment provider. Kamela Cloud does not provide loan capital, hold borrower deposits, underwrite credit risks, or approve lending decisions.
The subscribing organisation is the lender/credit provider in credit transactions it records through Kamela Cloud, subject to the actual contractual arrangement. Circle Core Technologies (Pty) Ltd is a technology vendor and is not a party to credit agreements created or serviced using the platform.
Subscribing organisations are responsible for their own legal and regulatory compliance—including determining whether credit provider registration (such as with the National Credit Regulator in South Africa) is required and maintaining applicable registrations, conducting lawful affordability assessments, ensuring interest and fee caps comply with applicable laws, issuing compliant disclosures, ensuring lawful collection practices, and protecting borrower privacy under POPIA.
We believe financial software must be server-authoritative, mathematically exact, and strictly isolated. Financial balances are never guessed by the browser; audit events preserve the who, what, and when of every high-risk action; and individual lenders and institutional multi-branch businesses operate on the same rigorous financial truth.
Use Kamela's public, server-authoritative loan estimate.
