Empowering
Microfinance
Through Digital
Transformation.
Secure multi-branch management, automated financial logic, and AI-assisted risk assessment exclusively for Sum Finance Services Corp.
Authorized personnel and clients only.
Bridging the Financial Gap
Millions of micro-entrepreneurs rely on informal lending because traditional banks can't reach them. The institutions that do serve them still run on paper, pen, and manual labor. That creates real problems.
Disaster Vulnerability
When a typhoon hits, physical records are gone for good. Passbooks, ledgers, and client files stored in filing cabinets have zero protection against natural disasters.
Information Blackouts
Provincial branches operate in isolation. Head office has no way to see what's happening in real time, creating blind spots that can lead to errors, delays, or even fraud.
Administrative Overload
Computing employee incentives, daily collections, and borrower balances by hand takes weeks every cycle. Staff spend more time on paperwork than actual service.
What SumTrack Can Do
Built for real-world microfinance. Every feature solves a specific pain point.
AI Risk Assessment
Field collectors write daily notes about each borrower. SumTrack processes those notes through Natural Language Processing and automatically flags accounts as Okay, Warning, or Risky.
Automated Incentive Calculation
Employee incentives are calculated automatically based on collection performance. No more manual spreadsheets, no bias, no delays.
Borrower Digital Passbook
Clients can view their loan history, payment schedules, and remaining balances anytime through a simple, dedicated portal.
Mobile Field Access
Field collectors use their own phones to check daily targets and performance rankings on the go, without needing access to sensitive data.
Real-Time Sync
All branch transactions are synced to the cloud in real time, giving head office a live view of cash flow, collections, and disbursements.
Secure Data Storage
All data is encrypted and backed up daily, ensuring that no information is ever lost, even in the event of a disaster.
Sum Finance Services Corp.
Established in 1996 and headquartered in Tagbilaran City, Bohol, Sum Finance is a microfinance institution that provides capital to micro-entrepreneurs like sari-sari store owners, carinderia vendors, and small traders who don't have access to traditional banks.
Over nearly three decades, the institution has grown to 32 satellite branches and over 250 personnel nationwide. But the systems behind it all are still paper-based: physical passbooks, handwritten index cards, and typewritten ledgers. SumTrack is built to change that.
Ready to get started?
If you're a Sum Finance employee or borrower, log in to access your account. For inquiries about the service, reach out to Sum Finance directly. For questions about the system, reach out to the development team.