Lending software for Cabo Verde

A tourism economy and a euro-pegged escudo make Cabo Verde a stable base for consumer and SME lending. lendhero arrives with Credit registry (BCV), CNI validation and Vinti4 network already connected, so your team configures products instead of plumbing.

See the local stack
  • CVE (CVE)
  • Portuguese, English
  • 13 local connectors
  • 1–2 weeks to launch

Olá, Joana

Approved100 000 CVE

707

Credit score

On-time payments

Monthly payment9 830 CVE

Market profile

Cabo Verde at a glance

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

Currency

CVE (CVE)

Languages

Portuguese, English

Supervisor

Banco de Cabo Verde

Credit data

Credit registry (BCV)

Payout rails

Vinti4 network, Bank transfers

Data protection

Law 133/V/2001

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

Working with borrowers in Cabo Verde

Tools for every borrower conversation

Borrowers in Cabo Verde apply, sign, pay and come back for repeat loans in Portuguese and CVE.

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 Portuguese.

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

Joana · Consumer loan, 6 months · 100 000 CVE

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

Local stack

The Cabo Verde stack, connected before kickoff.

Bureaus, identity, bank data, payment rails and messaging that lenders in Cabo Verde rely on. Anything missing is added through the open API.

  • Credit bureaus & registries1 connector
    • CCredit registry (BCV)
  • Identity & KYC2 connectors
    • CCNI validation
    • SSumsub
  • Bank & alternative data1 connector
    • BBank statement parsing
  • Disbursement rails2 connectors
    • VVinti4 network
    • BBank transfers
  • Repayments & collections2 connectors
    • VVinti4
    • BBank debit
  • Messaging3 connectors
    • WWhatsApp Business
    • AAfrica's Talking
    • IInfobip
  • E-signature2 connectors
    • DDocuSign

Checks and payments

Who borrows and how money moves in Cabo Verde

Applicants are checked with Credit registry (BCV), and money moves via Vinti4 network and Bank transfers.

Client checks

Checks connected in Cabo Verde:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationCNI validation, SumsubPass
  • Credit bureausCredit registry (BCV)Pass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataBank statement parsingReview
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in Cabo Verde:

DisbursementVinti4 network, Bank transfers in CVE
RepaymentVinti4, Bank debit
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • Vinti4 network
  • Bank transfers
  • Vinti4
  • 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 CVE 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

100 000 CVE

On track
Auto-calculated · 200+ parametersManual edit
Repaid 35 670 CVE of 107 000 CVE2 of 6 payments
DateAmountStatus
Sep 417 830 CVEPaid
Oct 417 830 CVEPaid
Nov 417 830 CVEDue in 7 days
Dec 417 830 CVEUpcoming
Jan 417 830 CVEUpcoming
Reminder sentYour payment of 17 830 CVE is due Nov 4

Loan flow

How a loan runs in Cabo Verde. Five steps, all local.

  1. 01ApplyBorrowers apply on the web, in the app or via WhatsApp, with forms in Portuguese and English.
  2. 02VerifyIdentity and documents are checked through CNI validation and Sumsub.
  3. 03DecideScorecards pull Credit registry (BCV) data and return a decision in seconds.
  4. 04DisburseFunds go out via Vinti4 network or Bank transfers in CVE, straight after signing.
  5. 05CollectRepayments arrive via Vinti4 and Bank debit, 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

100 000 CVE

Next payment

17 830 CVE · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

JoanaVerifierApproved
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 Cabo Verde launch on .

Consumer creditPersonal loans with Portuguese-language contracts.
MicrofinanceSmall loans for island entrepreneurs.
Tourism SME lendingSeasonal working capital for hospitality businesses.

Compliance

Configured for BCV and Law 133/V/2001.

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

Hosting & data residency

Cloud or on-premise deployment, with data stored where Law 133/V/2001 requires.

Consent & privacy

Borrower consents are captured, versioned and logged under Law 133/V/2001.

Pricing & disclosures

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

Audit trail

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

More markets in West 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 Cabo Verde?+

Yes. The platform is set up for CVE, Portuguese and English and BCV requirements, with 13 local connectors ready on day one.

Which credit data sources are connected in Cabo Verde?+

Credit registry (BCV). On top of that, identity checks run through CNI validation and Sumsub and bank data comes from Bank statement parsing.

How do borrowers get paid and repay?+

Payouts go out via Vinti4 network and Bank transfers in CVE. Repayments arrive via Vinti4 and Bank debit, with reminders over WhatsApp Business and Africa's Talking.

How long does a launch in Cabo Verde 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 Cabo Verde? 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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