Lending software for DR Congo

With more than 100 million people and a largely dollarized economy, DR Congo is one of the largest untapped credit markets in Africa. lendhero arrives with Centrale des risques (BCC), National ID and M-Pesa already connected, so your team configures products instead of plumbing.

See the local stack
  • USD ($)
  • French, English
  • 13 local connectors
  • 1–2 weeks to launch

Bonjour, Rachel

Approved$500

773

Credit score

On-time payments

Monthly payment$49

Market profile

DR Congo at a glance

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

Currency

USD ($)

Languages

French, English

Supervisor

Banque Centrale du Congo

Credit data

Centrale des risques (BCC)

Payout rails

M-Pesa, Airtel Money, Orange Money

Data protection

local privacy law

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

Working with borrowers in DR Congo

Tools for every borrower conversation

Borrowers in DR Congo apply, sign, pay and come back for repeat loans in French and USD.

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

Rachel · Consumer loan, 6 months · $500

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

Local stack

The DR Congo stack, connected before kickoff.

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

  • Credit bureaus & registries1 connector
    • CCentrale des risques (BCC)
  • Identity & KYC2 connectors
    • NNational ID
    • SSmile ID
  • Bank & alternative data2 connectors
    • MMobile money statements
    • BBank statement parsing
  • Disbursement rails3 connectors
    • MM-Pesa
    • AAirtel Money
    • OOrange Money
  • Repayments & collections3 connectors
    • MM-Pesa
    • AAirtel Money
    • OOrange Money
  • Messaging3 connectors
    • WWhatsApp Business
    • AAfrica's Talking
    • IInfobip
  • E-signature2 connectors
    • DDocuSign

Checks and payments

Who borrows and how money moves in DR Congo

Applicants are checked with Centrale des risques (BCC), and money moves via M-Pesa and Airtel Money.

Client checks

Checks connected in DR Congo:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationNational ID, Smile IDPass
  • Credit bureausCentrale des risques (BCC)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 DR Congo:

DisbursementM-Pesa, Airtel Money, Orange Money in USD
RepaymentM-Pesa, Airtel Money, Orange Money
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • M-Pesa
  • Airtel Money
  • Orange Money

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 USD 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

$500

On track
Auto-calculated · 200+ parametersManual edit
Repaid $180 of $5402 of 6 payments
DateAmountStatus
Sep 4$90Paid
Oct 4$90Paid
Nov 4$90Due in 7 days
Dec 4$90Upcoming
Jan 4$90Upcoming
Reminder sentYour payment of $90 is due Nov 4

Loan flow

How a loan runs in DR Congo. Five steps, all local.

  1. 01ApplyBorrowers apply on the web, in the app or via WhatsApp, with forms in French and English.
  2. 02VerifyIdentity and documents are checked through National ID and Smile ID.
  3. 03DecideScorecards pull Centrale des risques (BCC) data and return a decision in seconds.
  4. 04DisburseFunds go out via M-Pesa or Airtel Money in USD, straight after signing.
  5. 05CollectRepayments arrive via M-Pesa and Airtel Money, 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

$500

Next payment

$90 · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

RachelVerifierApproved
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 DR Congo launch on .

MicrofinanceGroup and individual loans for MFIs and credit 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 BCC and local privacy law.

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

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 BCC rules.

Audit trail

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

More markets in Central 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 DR Congo?+

Yes. The platform is set up for USD, French and English and BCC requirements, with 13 local connectors ready on day one.

Which credit data sources are connected in DR Congo?+

Centrale des risques (BCC). 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 M-Pesa, Airtel Money and Orange Money in USD. Repayments arrive via M-Pesa, Airtel Money and Orange Money, with reminders over WhatsApp Business and Africa's Talking.

How long does a launch in DR Congo 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 DR Congo? 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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