Skip to content
Built for phone dealers selling on credit

Sell phones on credit. Get paid on time, every time.

Linda turns every financed handset into secured collateral. Enroll a phone in minutes, track each installment automatically, and lock a late device remotely — then unlock it the second the payment lands.

< 60s
Lock or unlock reaches the handset
0
Staff visits needed to enforce
100%
Shop-level data isolation
client.linda.co.tz / devices

Financed devices

Kariakoo Mobile Centre

Live

Active

128

Overdue

9

Locked

4

  • Tecno Spark 20 · Amina J.

    Next instalment 12 Aug · TZS 45,000

    Active
  • Samsung A15 · Joseph M.

    6 days overdue · TZS 60,000

    Overdue
  • Infinix Hot 40 · Neema K.

    Locked 21 Jul · 18 days overdue

    Locked

Payment received — TZS 60,000

ClickPesa confirmed. Joseph M.'s device unlocked automatically.

Built on the rails your business already runs on

  • ClickPesa
  • M-Pesa & Tigo Pesa
  • Beem SMS
  • Android Enterprise
  • Firebase Cloud Messaging

The problem

Credit sales grow revenue — and quietly destroy margin.

Every dealer knows the cycle. The phone leaves the shop, the payments slow down, and recovery costs more than the handset is worth.

Chasing replaces selling

Staff spend their week on phone calls and door visits instead of moving stock. Follow-up is manual, undocumented and easy to skip.

No leverage after the sale

Once the handset walks out, the only pressure you have is goodwill. A customer who stops answering has already won.

Books that don't agree

Schedules in one notebook, payments in another, and no single answer to "how much is actually outstanding this month?"

How it works

Four steps from shop floor to secured loan.

No new hardware, no custom ROM. Any modern Android handset becomes a managed device before the customer leaves the counter.

  1. 01

    Scan to enroll

    Generate a QR from the dashboard and scan it on a factory-reset phone. The device provisions itself as a managed device and enrolls automatically.

  2. 02

    Set the loan

    Enter deposit, term and flat interest. Linda builds the instalment schedule, tracks every payment and flags overdue accounts on its own.

  3. 03

    Remind, then enforce

    SMS reminders go out before the due date. If an account stays overdue, the handset locks to a payment screen — calls to emergency numbers still work.

  4. 04

    Paid means unlocked

    A confirmed ClickPesa payment releases the device within seconds — no staff action, no call to the shop, no argument at the counter.

The platform

Everything the loan book needs, in one place.

A staff dashboard, a device agent and a collector app — designed together, so what you see on screen is what is actually happening on the handset.

Remote lock & release

Lock, unlock, remind or permanently release a device from the dashboard. Every command is queued, delivered and acknowledged — with a full audit trail.

Instant delivery, offline tolerant

Push notifications trigger an immediate check-in. If the phone is off or out of coverage, the command is waiting the moment it reconnects.

Mobile money that closes the loop

ClickPesa collections post straight to the instalment schedule. Verified webhooks mean a payment updates the loan and the device without anyone re-typing it.

Automatic SMS reminders

Beem-powered reminders and warnings fire on schedule in the language your customers read. Most accounts settle before enforcement is ever needed.

Multi-shop by design

Run several branches or franchises from one account. Each shop's customers, devices and money stay strictly separated — enforced at the database, not just the screen.

Reports you can act on

Outstanding balance, collection rate, ageing buckets and staff performance — daily, monthly and annual, filtered by branch or agent.

Add-on service

Don't want to chase at all?
Let our call centre do it.

Subscribe to Managed Collections and trained platform collectors work your overdue cases for you. You keep the customer relationship, the loan and the lock controls — we supply the follow-up capacity.

  • Every contact is proven. Calls and SMS are started from the system and verified against the device log — no free-typed "I called them".

  • Promise-to-pay tracking. Each commitment is logged with a date and followed up automatically when it slips.

  • Your cases stay yours. Collectors see only the cases assigned to them, and never another dealer's book.

  • Unlock stays with you. Collectors can note, promise and escalate — releasing a device remains your decision or an automatic result of payment.

Talk to us about Managed Collections

Collector queue

Today

Case #2841 · Neema K.

Kariakoo Mobile Centre · 18 days overdue

PTP set
Call 4m 12s Verified on device log

Case #2839 · Joseph M.

Mwanza Phone Hub · 6 days overdue

No answer
SMS sent Retry 16:00

Case #2830 · Amina J.

Kariakoo Mobile Centre · Settled

Closed

Contacted

37

PTP today

12

Avg. talk

3m 41s

Security & trust

You are holding customers' devices. We treat that seriously.

Locking a phone is a powerful action. Every part of the system is built so it can only happen for the right device, from the right shop, for the right reason.

Hardware-backed credentials

Each device's token is sealed in the Android Keystore. Nothing useful sits in plain storage on the handset.

Strict shop isolation

Every record carries its shop identity and is filtered at the database layer, so one dealer can never read another's book.

Roles that match your org

Owner, manager and agent permissions are enforced server-side — an agent cannot release a device just by finding the URL.

Signed payment webhooks

Payment callbacks are checksum-verified before they can mark an instalment paid or unlock a handset. Forged notifications are rejected.

Tamper-resistant agent

Provisioned as a device owner with a verified signing checksum, the agent cannot simply be uninstalled by the customer.

Complete audit trail

Who issued a lock, when it was delivered and when the device acknowledged it — recorded for every command, permanently.

A locked phone is not a dead phone. Emergency calling stays available, and the lock screen shows the customer exactly what is owed and how to pay it — so recovery is a payment, not a confrontation.

What dealers say

"Placeholder — add a real quote here about what changed after switching to Linda."

Customer name

Role · Shop name, City

"Placeholder — a quote about collection rate or time saved works well in this slot."

Customer name

Role · Shop name, City

"Placeholder — a quote about Managed Collections belongs here."

Customer name

Role · Shop name, City

Pricing

Priced to the size of your book.

Managed Collections packages, billed monthly in Tanzanian shillings. Tier is set by your active financed devices at the start of each billing period.

Starter

Under 30 active devices

TZS 18,000

per device, per month

Get started
  • Full platform: devices, loans, payments
  • Remote lock, unlock and release
  • Managed collections queue
  • SMS reminders & ClickPesa collections
Most popular

Growth

30 – 44 active devices

TZS 700,000

flat, per month

Book a demo
  • Everything in Starter
  • Flat monthly fee — no per-device maths
  • Dedicated platform collectors
  • Promise-to-pay worklist & verified contact log
  • Collector performance reports

Business

45 – 55 active devices

TZS 900,000

flat, per month

Talk to sales
  • Everything in Growth
  • Multi-branch rollout support
  • Priority onboarding & staff training
  • Named account manager

More than 55 active devices? Contact us for enterprise pricing.

Questions dealers ask

Still unsure? Book a demo and we'll walk through your exact setup.

Can the customer remove the lock app?

No. The agent is installed as an Android device owner during provisioning, which blocks uninstalling it and stops a factory reset from returning the phone to an unmanaged state.

What if the phone is switched off or has no internet?

Commands sit in a queue on the server. The moment the handset reconnects it checks in and applies whatever is pending — a lock issued yesterday still lands today. Devices also check in periodically on their own, so nothing depends on the customer cooperating.

Does a locked phone still make emergency calls?

Yes. The lock screen restricts normal use but keeps emergency dialling available, and it clearly shows the outstanding amount plus how to pay — so the customer can resolve it themselves.

How fast does a device unlock after payment?

A verified ClickPesa confirmation triggers the unlock immediately and a push notification wakes the device to collect it — typically under a minute on a connected handset. No staff member has to be at the shop.

Can I run more than one shop on one account?

Yes. Linda is multi-tenant from the ground up. Each shop has its own customers, devices, loans and staff, and owners can see across their branches while agents only see their own.

Which handsets are supported?

Any modern Android phone that supports Android Enterprise provisioning — including the Tecno, Infinix, Samsung and Xiaomi models most commonly sold on credit. Enrollment happens from the factory-reset setup screen via QR code.

Stop writing off handsets.
Start collecting on time.

Book a 20-minute demo. We'll enroll a real device on the call, lock it, take a test payment and unlock it — so you can see the whole loop before you decide.

  • No setup fee
  • Onboarding and staff training included
  • Cancel any time

Request a demo

We reply within one business day.

By submitting you agree to be contacted about Linda. We never share your details.