Small team, real conversations
You’ll talk to the people building your system, not a layer of account management. Faster decisions, fewer telephone games.
About us
Built by people who've lived this work.
JNOT Technologies is a Kampala-based software company building enterprise software for lenders across East Africa — loan management, credit-bureau integration, and the systems that have to keep agreeing with each other when the regulator comes calling.
Our story
Founded 2025
JNOT Technologies was founded in 2025 by a team that had spent the previous years inside the credit reference bureau ecosystem — watching the same operational problems repeat themselves at every lender they touched.
Most off-the-shelf loan management systems were designed for markets that don't look much like ours: different regulators, different rails, different definitions of what a "branch" or a "product" is. The result is software bent into shapes its builders never anticipated, and operations teams keeping the truth in side spreadsheets.
We started JNOT to close that gap — purpose-built systems for purpose-built operations, by people who have answered the supervisor's phone call before.
Where we work
Kampala, Uganda
We're based in Kampala and serve lenders across East Africa. Most of our clients are within a phone call of our office, on the same regulatory clock, and a short flight away when an onsite week is what an engagement needs.
Being close to the operations we build for is a feature, not a consequence. The software is better for it.
Where our experience lives
Four areas where we've already done the work — and where we lean when we take on something new.
Credit reference bureau ecosystem
Years inside the CRB world — submissions, dispute handling, the cycles that everyone above the supervisor cares about and everyone below pretends they understand.
Lending domain
Deep familiarity with how loan portfolios actually behave once they leave the spreadsheet — the edge cases, the reconciliation gaps, the things no demo will surface.
Bank of Uganda compliance
Practical experience with BoU expectations, returns, and audit walk-throughs — what gets accepted, what gets queried, and what triggers a follow-up letter.
Production engineering
Software built for the day a branch loses connectivity at month-end — not the day someone walks an investor through a happy-path demo.
How we work
Three things we hold to across every engagement.
Software that fits your operation
We adapt to how your team actually works — not the other way round. If a workflow needs a new screen, we add one, not a 60-page change request.
No vendor lock-in
Your data is yours. Your integrations are documented. If our engagement ends, you can walk out with a working system, not a hostage situation.
Want to work with us?
Tell us about your lending operation and what's getting in its way. We'll come back with whether we're the right team and what we'd do first.