One Cloud ERP · Cooperatives

One Cloud ERP: cooperative management system for the Philippines

One Cloud ERP runs a cooperative's membership, savings, lending, accounting, and reporting from one web back office, while members check balances, follow their loans, and apply for new ones on the web or on their phones.

One Cloud ERP Members App account details screen with a savings balance and transaction history
One Cloud ERP Members App loan details with principal balance, amortization, and payment schedule
One Cloud ERP Members App loan application with payment period, term, amount, and uploaded requirements
apps: back office, member portal, client portal, and mobile app
4
built-in reports in 17 categories
85
members app, branded per cooperative
Android + iOS
Status
Live

The challenge

A cooperative has to track each member's savings, share capital, and loans, post every transaction to its books, and have several officers approve documents across its branches. When that work is split across separate tools, statements and reports take longer to prepare and are harder to audit, and members have to visit a branch just to check a balance or follow up on a loan.

Our solution

One Cloud ERP brings membership, teller banking, lending, accounting, approvals, and reporting into one back office. Members use the Members Portal or the Members App on Android and iOS to see their accounts and loans, apply for a loan with photos of the requirements, and file help tickets. Each cooperative gets its own deployment, with modules switched on to fit how it operates.

Used by Philippine cooperatives: tellers, loan officers, accountants, branch approvers, and administrators in the back office, and members on the portal and mobile app.

Platforms

One system, every user covered

Each part of the system is built for the people who use it.

Web app

Back office

Web app for membership, banking, lending, accounting, billing, procurement, inventory, and the Report Centre. Each menu appears only when the user's role allows it.

Tellers, loan officers, accountants, approvers, and administrators

Portal

Members Portal

Self-service portal where members register with their member ID and an emailed one-time PIN, then see balances, transactions, dividends, and loans with amortization schedules, apply for loans, and file help tickets.

Cooperative members

Portal

Clients Portal

Portal where clients see their subscriptions and invoices, print them, and submit proof of a bank transfer for the cooperative or company to confirm.

Business clients on subscriptions

Mobile app

Members App

Android and iOS app built and branded separately for each cooperative, with Home, Transactions, Help Center, and Account tabs and a three-step loan application.

Cooperative members

Features

What One Cloud ERP does

Membership

Each member's master file, membership type, and accounts, from application to active status.

  • Member profile with addresses, family, income, documents, requirements, and seminars
  • Government IDs such as TIN, SSS, PhilHealth, Pag-IBIG, and UMID, with expiry dates
  • Savings, share capital, and time deposit accounts with terms and maturity
  • Account and loan passbook printing
  • Member help desk tickets with categories and resolutions

Teller banking

Tellers look up a member, take deposits and loan payments, and process withdrawals.

  • Member validation desk with profile summary and transaction history
  • Deposits and loan payments on the same official receipt
  • Cash, check, bank deposit, and online banking payment modes
  • Official receipts and withdrawal slips numbered from branch booklets
  • Debit and credit lines filled in automatically as the teller works

Lending

Loans from application through approval, release, amortization, collection, and completion.

  • Loan products with interest rates, deductions, requirements, and limits
  • Straight or diminishing interest, with payment periods from daily to annual
  • Co-makers, account collateral, and offsetting of existing loans
  • Amortization schedules, fines on overdue amounts, and payment history
  • Reminders sent to members three days before an amortization is due

Accounting

Vouchers, ledgers, member earnings, and bank reconciliation on a configurable chart of accounts.

  • Accounts payable, cash, disbursement, and journal vouchers
  • Check printing, with several checks per voucher
  • Interest earnings and dividend computation, with member payslips
  • Bank reconciliation and forwarded opening balances
  • Excel import for accounting entries

Report Centre

Configurable reports, with 85 built in across 17 categories.

  • General ledger, trial balance, balance sheet, and statement of operations
  • Loan balances, portfolio at risk (aging), releases, and collections
  • Member lists, statements of account, and share capital reports
  • Filters by branch, date, account type, loan product, and teller
  • Print-ready output and Excel export

Approvals and access

Who can see and change each document, how many officers approve it, and a log of every action.

  • Up to five approval levels per document type, assigned per branch
  • Loan approval levels by product and amount, with approver limits
  • Requests to unpost a posted document, approved in real time
  • Access roles with view, create, modify, and delete rights per module
  • Activity log on each document

Billing, procurement, and inventory

Business modules a deployment can switch on: client billing, purchasing, stock, and work orders.

  • Invoices with VAT and withholding tax, statements of account, and reminder emails
  • Purchase orders and receiving reports linked to vendor payables
  • Inventory movements and adjustments across branches and warehouses
  • Product catalog with units of measure, prices, and variants
  • Work orders with services, products, and delivery receipts

Branches and data import

Company and branch setup, numbered document series, module switches, and data import.

  • Branch setup with banks, printers, signatories, and approvers
  • Numbered booklets per branch for receipts, vouchers, invoices, and checks
  • Twelve module switches that show or hide menus and reports
  • Excel template imports for members, loans, entries, and dividends
  • Announcements to staff and members with real-time notifications

See One Cloud ERP in action

Book a walkthrough with our team. We'll show how it fits the way your organization works.

Request a demo

Mobile app

Members App

  • Android
  • iOS

Members carry their savings, share capital, time deposits, and loans on their phone. The app is built and branded for each cooperative and connects to that cooperative's own system.

  • Home dashboard with account balances, active loans, and notifications
  • Account details with current balance and transaction history
  • Loan details with amortization schedule and payment history
  • Three-step loan application with photos of the requirements
  • Help Center tickets that members file and follow until resolved
  • Self-registration with a membership check and an emailed one-time PIN
  • Light and dark themes

Built with

  • .NET 9
  • Blazor
  • ASP.NET Core Web API
  • .NET MAUI
  • Entity Framework Core
  • SQL Server
  • SignalR
  • Hangfire
  • Azure Blob Storage

Services involved

Integrations

  • Email one-time PINs, billing reminders, and notices through SendGrid
  • Real-time notifications to staff and members
  • Excel imports and exports for members, loans, accounting entries, and dividends
  • Azure Blob Storage for member requirements and attachments
  • Google Play releases for each cooperative's app, with App Store releases where set up

FAQ

Questions about One Cloud ERP

What is One Cloud ERP?

One Cloud ERP is a cooperative management system that Axcelsoft built for Philippine cooperatives. It runs membership, teller banking, lending, accounting, approvals, and reporting in one web back office, with a Members Portal and a Members App for Android and iOS.

What modules does One Cloud ERP include?

Membership, teller banking, lending, accounting, a Report Centre with 85 built-in reports, approvals and access control, and branch setup with data import. Cooperatives that also run businesses can switch on billing, procurement, inventory, and work orders.

Can our members check their accounts and apply for loans from their phone?

Yes. In the Members App and the Members Portal, members see their savings, share capital, time deposits, and loans with amortization schedules and payment history. They can apply for a loan in three steps and attach photos of the requirements.

Can the members app carry our cooperative's own brand?

Yes. The Members App is built separately for each cooperative, with the cooperative's own app name and colors. It's published on Google Play for each cooperative, and on the App Store where the cooperative's iOS listing is set up.

Is One Cloud ERP web-based?

Yes. Staff use the back office in a web browser, so there's no software to install on each computer. Each cooperative gets its own deployment with its own database.

How do approvals and access control work?

Each document type can have up to five approval levels, with approvers assigned per branch, and loan approvals can depend on the product and amount. Access roles set view, create, modify, and delete rights per module, and every document keeps an activity log.

Can we move our existing records into One Cloud ERP?

Yes. Members, loans, accounting entries, and dividends can be imported from Excel templates.

More work

See what else we've built

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Want a system like One Cloud ERP, tailor-fit to your business?

Tell us how your organization works. We'll plan, design, and build a system around your processes, and we can host and support it after launch.