Run your cluster like a pro.
You started the group. SpaceCredit gives you the controls to run it without becoming everyone's accountant, secretary, and chaser-in-chief.
Approve, pause, and manage every member.
Approve invites with one tap. Pause a member who's missing payments. Promote co-managers. Every action is logged and visible to your cluster.
- QR code & 6-character invite codes
- Co-manager roles with delegated permissions
- One-tap pause / unpause / remove
- In-cluster dispute resolution
Set the rules once. Run every cycle with confidence.
Configure loan amount, interest rate, and repayment frequency. SpaceCredit funds the loans and keeps every disbursement and repayment reconciled in one place.
- Daily, weekly, or monthly repayment schedules
- Fair FIFO disbursement, in join order
- Record and confirm repayments in-app
- A clear per-cycle ledger for every loan
Everything you need. Nothing you don't.
Member directory
Search, filter, and sort members by join order and repayment history.
Live cycle dashboard
See every disbursement and repayment as it happens, cycle by cycle.
Guarantors
Every borrowing member is backed by a guarantor before they join a cycle.
Notifications
Push, SMS, WhatsApp, and email reminders — choose what your cluster prefers.
Audit trail
Every action — approval, payout, edit — is logged and visible to all members.
Reports
Monthly summaries, cycle reports, and tax-ready exports in one tap.
Ready to lead your cluster?
Download SpaceCredit and create your first cluster in 90 seconds.
