Lending software for Burundi

Microfinance institutions and cooperatives carry most lending in Burundi, now paid through Lumicash and EcoCash. lendhero arrives with Credit registry (BRB), National ID and Lumicash already connected, so your team configures products instead of plumbing.

See the local stack
  • BIF (FBu)
  • French, Kirundi
  • 13 local connectors
  • 1–2 weeks to launch

Bonjour, Divine

Approved1 000 000 FBu

781

Credit score

On-time payments

Monthly payment98 300 FBu

Market profile

Burundi at a glance

What lendhero is set up for in Burundi before your team logs in.

Currency

BIF (FBu)

Languages

French, Kirundi

Supervisor

Banque de la République du Burundi

Credit data

Credit registry (BRB)

Payout rails

Lumicash, EcoCash

Data protection

local privacy law

13
local connectors wired in before kickoff
BIF
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
2
interface languages: French, Kirundi

Working with borrowers in Burundi

Tools for every borrower conversation

Borrowers in Burundi apply, sign, pay and come back for repeat loans in French and BIF.

Applications in minutes

Borrowers apply on the web or in the app, and staff file applications from the back office. A half-filled form waits for them to come back.

New application

Draft saved
Step 2 of 4 · Personal detailsStep 2/4

Reminders that get read

Approvals, due dates and overdue notices go out by WhatsApp Business and Africa's Talking automatically.

Your application is approvedWhatsApp Business
Your payment is due tomorrowAfrica's Talking
New receipt in your portalInfobip

Rewards for repeat borrowers

Points for on-time payments, promo codes for campaigns and manual adjustments by staff.

WELCOMEfirst loan
Bonus balance1,240 pts

A portal for repeat loans

Repeat borrowers reapply without retyping data, extend or repay from their phone.

Extend loan
Repay early
Refinance

Contracts without paperwork

Loan agreements, extension requests and receipts are generated and e-signed in French.

Loan agreementSigned
Extension requestReady
Payment receiptDraft

Decisioning

Decisions in seconds, explained in plain words

Third-party and built-in checks run in one flow, for individuals and businesses. Every approval and decline shows the rules and scores behind it.

  • Every check in one passAnti-fraud, identification, credit bureaus, sanctions and digital footprint.
  • Rules you can readYour team can answer any borrower about why.

Application #48213

Divine · Consumer loan, 6 months · 1 000 000 FBu

Approved
Credit score712
  • IdentityVerified
  • Anti-fraudPassed
  • Credit bureau712
  • Debt-to-income31%
  • Sanctions & watchlistsClear
Decision time28 s

Local stack

The Burundi stack, connected before kickoff.

lendhero ships with the connectors lenders in Burundi use every day, from Credit registry (BRB) to Lumicash. New ones are added through the open API.

  • Credit bureaus & registries1 connector
    • CCredit registry (BRB)
  • Identity & KYC2 connectors
    • NNational ID
    • SSmile ID
  • Bank & alternative data2 connectors
    • MMobile money statements
    • BBank statement parsing
  • Disbursement rails2 connectors
    • LLumicash
    • EEcoCash
  • Repayments & collections3 connectors
    • LLumicash
    • EEcoCash
    • BBank debit
  • Messaging3 connectors
    • WWhatsApp Business
    • AAfrica's Talking
    • IInfobip
  • E-signature2 connectors
    • DDocuSign

Checks and payments

Who borrows and how money moves in Burundi

Applicants are checked with Credit registry (BRB), and money moves via Lumicash and EcoCash.

Client checks

Checks connected in Burundi:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationNational ID, Smile IDPass
  • Credit bureausCredit registry (BRB)Pass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataMobile money statements, Bank statement parsingReview
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in Burundi:

DisbursementLumicash, EcoCash in BIF
RepaymentLumicash, EcoCash, Bank debit
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • Lumicash
  • EcoCash
  • Bank debit

Loan servicing

Every loan and every repayment on one screen

Edit terms, recalculate interest, apply penalties and follow the full schedule without exporting anything.

  • Automatic calculations for every loanInterest, fees and penalties in BIF are calculated by a dedicated engine with 200+ configurable parameters. Staff can still adjust any amount by hand, and every change is logged.
  • Loan products in minutesSet up consumer, instalment and business products with their rules and scenarios in the admin panel, without a release.
  • Notifications tied to every calculationEach due date, penalty and recalculation sends the right message to the borrower and your team.

Loan #48213

1 000 000 FBu

On track
Auto-calculated · 200+ parametersManual edit
Repaid 356 670 FBu of 1 070 000 FBu2 of 6 payments
DateAmountStatus
Sep 4178 330 FBuPaid
Oct 4178 330 FBuPaid
Nov 4178 330 FBuDue in 7 days
Dec 4178 330 FBuUpcoming
Jan 4178 330 FBuUpcoming
Reminder sentYour payment of 178 330 FBu is due Nov 4

Loan flow

How a loan runs in Burundi. Five steps, all local.

  1. 01ApplyBorrowers apply on the web, in the app or via WhatsApp, with forms in French and Kirundi.
  2. 02VerifyIdentity and documents are checked through National ID and Smile ID.
  3. 03DecideScorecards pull Credit registry (BRB) data and return a decision in seconds.
  4. 04DisburseFunds go out via Lumicash or EcoCash in BIF, straight after signing.
  5. 05CollectRepayments arrive via Lumicash and EcoCash, with reminders over WhatsApp Business.

Portals

One platform, three portals

Everyone works in the same system and sees only what their role allows.

My loan

1 000 000 FBu

Next payment

178 330 FBu · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

DivineVerifierApproved
Daniel O.AnalystReview
Maria L.RiskApproved
Tomas K.AnalystDeclined
Lena P.VerifierReview

Staff portal

Managers, analysts, risk, verifiers and collectors work side by side.

Role · Verifier

12 users
View applications
Verify documents
Approve loans
Edit loan terms
Export reports

Super-admin portal

Products, roles, permissions and rules change without a release.

Products

What lenders in Burundi launch on .

MicrofinanceGroup and individual loans for MFIs and cooperatives.
Wallet nano-loansSmall loans scored on wallet history and paid out in minutes.
SME working capitalShort-term lines for traders and small businesses.

Compliance

Configured for BRB and local privacy law.

lendhero is software: the licence stays yours. We set the platform up for the rules you operate under in Burundi.

Hosting & data residency

Cloud or on-premise deployment, with data stored where local privacy law requires.

Consent & privacy

Borrower consents are captured, versioned and logged under local privacy law.

Pricing & disclosures

Rates, fees and cost-of-credit disclosures set per product for BRB rules.

Audit trail

Every decision, edit and message is logged for internal and external audits.

More markets in East Africa

All Africa markets

Questions

Frequently asked

Didn’t find the answer? Write to us and we’ll reply within one business day.

Can lendhero run a lending business in Burundi?+

Yes. The platform is set up for BIF, French and Kirundi and BRB requirements, with 13 local connectors ready on day one.

Which credit data sources are connected in Burundi?+

Credit registry (BRB). On top of that, identity checks run through National ID and Smile ID and bank data comes from Mobile money statements and Bank statement parsing.

How do borrowers get paid and repay?+

Payouts go out via Lumicash and EcoCash in BIF. Repayments arrive via Lumicash, EcoCash and Bank debit, with reminders over WhatsApp Business and Africa's Talking.

How long does a launch in Burundi take?+

Usually 1–2 weeks from kickoff to the first loan, including connecting 13 local services, product setup, staff training and a test run.

Can we run several countries on one platform?+

Yes. One installation serves several countries, each with its own currency, products, languages and local connectors.

Book a demo

Lending in Burundi? Let’s plan the launch.

We’ll walk you through the platform, show what matters for your products and answer questions about your business.

  • A 30-minute call
  • A walkthrough on your products and markets
  • Answers on timeline, integrations and pricing

Tell us about your lending

We reply within one business day.

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