1Open the member's loan from Client → Accounts (or Accounts → Loans). On the loan summary, click Loan Top-Up.2The form shows the loan's current standing — Outstanding Principal, Outstanding Interest and Remaining Charges. The top-up builds on these figures.3Set the new Tenure and Balance Capitalized Type, then enter the Additional Amount to lend. CAMS works out the New Loan Principal Amount and the Disburse Amount (the cash that goes out).4Check the New Loan Principal Amount and Disburse Amount, then click Submit. The extra is disbursed, the loan's balance and schedule update, and it continues as one larger loan.
Top up a loan
Lend a member more on their active loan, without starting over.
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Summary
Top up a member's active loan — lend them more without closing the loan and starting again.
CAMS adds the extra money to the loan's outstanding balance, works out the new principal and repayment schedule, and disburses the top-up. The loan carries on as one loan — only larger.
About 5 minutes · 9 steps. Also called: loan increase, additional loan, add to a loan, re-loan.
Prerequisites
A CAMS Admin sign-in with rights to disburse and top up loans. If your SACCO uses multi-level authorisation, have the approver ready too.
The member has an active, disbursed loan that is eligible for a top-up under your loan product and credit policy.
The amount to add and the payout method (cash, bank transfer or mobile money) agreed with the member.
Go to Client and open the member. On their profile, open the Accounts tab and open the member's active loan. (You can also reach it from Accounts > Loans.)
On the loan summary, check the Outstanding Principal, Outstanding Interest and the loan Status. This is where the loan stands before you add to it.
Click Loan Top-Up in the loan actions. The Loan Top-Up form opens with this loan already selected.
Check the loan box on the form — Loan Amount, Outstanding Principal, Outstanding Interest and Remaining Charges. The top-up builds on these figures.
Set the new Tenure — how long the topped-up loan will run. Then set the Balance Capitalized Type, which is how the existing balance rolls into the new loan (for example Due Loan Balance).
Enter the Additional Amount — the extra money to lend on top. CAMS adds it to the outstanding balance and fills in the New Loan Principal Amount and the Disburse Amount (the cash that actually goes out).
If you need to change the balance carried over, tick Adjust Existing Loan Outstanding Amount and set the figures.
Check the New Loan Principal Amount and Disburse Amount, then click Submit. The top-up is disbursed, the loan's balance and schedule update, and a transaction record is created.
Note: A top-up increases what the member owes and re-bases the loan on the new principal and tenure, so the instalment changes. Confirm the new repayment with the member before you submit.
Common pitfalls & FAQ
Loan Top-Up is greyed out or missing. The loan has to be active and disbursed, and your role must allow disbursements. A closed or fully paid loan cannot be topped up.
Top-up or reschedule — which do I use? A top-up lends new money and raises the principal. Rescheduling only changes the terms of the existing balance, with no new money. See How to reschedule a loan.
Additional Amount vs Disburse Amount. The Additional Amount is the new money added to the loan. The Disburse Amount is the cash paid out now, which can differ once the carried balance and any charges are applied.
Does it create a second loan? No. It continues the same loan on a new, higher principal and tenure, and rebuilds the schedule.
It is waiting for approval. If your SACCO uses multi-level authorisation, the top-up follows the approval workflow before the money is released.
The member's instalment looks different now. That is expected — the repayment is recalculated on the new principal and tenure. Share the new amount with the member.
Also called: loan increase, additional loan, add to a loan, re-loan, extra loan.
