Lending software for Equatorial Guinea

Equatorial Guinea is the only Spanish-speaking CEMAC market, so lenders need Spanish contracts on top of regional rules. lendhero arrives with Centrale des risques (BEAC), National ID and Bank transfers already connected, so your team configures products instead of plumbing.

See the local stack
  • XAF (FCFA)
  • Spanish, French
  • 14 local connectors
  • 1–2 weeks to launch

Hola, Raquel

Approved500 000 FCFA

720

Credit score

On-time payments

Monthly payment49 200 FCFA

Market profile

Equatorial Guinea at a glance

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

Currency

XAF (FCFA)

Languages

Spanish, French

Supervisor

BEAC and COBAC

Credit data

Centrale des risques (BEAC)

Payout rails

Bank transfers, Mobile wallets

Data protection

local privacy law

14
local connectors wired in before kickoff
XAF
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
2
interface languages: Spanish, French

Working with borrowers in Equatorial Guinea

Tools for every borrower conversation

Borrowers in Equatorial Guinea apply, sign, pay and come back for repeat loans in Spanish and XAF.

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 Spanish.

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

Raquel · Consumer loan, 6 months · 500 000 FCFA

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

Local stack

The Equatorial Guinea stack, connected before kickoff.

lendhero ships with the connectors lenders in Equatorial Guinea use every day, from Centrale des risques (BEAC) to Bank debit. New ones are added through the open API.

  • Credit bureaus & registries1 connector
    • CCentrale des risques (BEAC)
  • Identity & KYC2 connectors
    • NNational ID
    • SSumsub
  • Bank & alternative data2 connectors
    • MMobile money statements
    • BBank statement parsing
  • Disbursement rails2 connectors
    • BBank transfers
    • MMobile wallets
  • Repayments & collections2 connectors
    • BBank debit
    • PPayroll deduction
  • Messaging3 connectors
    • WWhatsApp Business
    • AAfrica's Talking
    • IInfobip
  • E-signature2 connectors
    • DDocuSign

Checks and payments

Who borrows and how money moves in Equatorial Guinea

Applicants are checked with Centrale des risques (BEAC), and money moves via Bank transfers and Mobile wallets.

Client checks

Checks connected in Equatorial Guinea:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationNational ID, SumsubPass
  • Credit bureausCentrale des risques (BEAC)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 Equatorial Guinea:

DisbursementBank transfers, Mobile wallets in XAF
RepaymentBank debit, Payroll deduction
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • Bank transfers
  • Mobile wallets
  • Bank debit
  • Payroll deduction

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 XAF 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

500 000 FCFA

On track
Auto-calculated · 200+ parametersManual edit
Repaid 178 330 FCFA of 535 000 FCFA2 of 6 payments
DateAmountStatus
Sep 489 170 FCFAPaid
Oct 489 170 FCFAPaid
Nov 489 170 FCFADue in 7 days
Dec 489 170 FCFAUpcoming
Jan 489 170 FCFAUpcoming
Reminder sentYour payment of 89 170 FCFA is due Nov 4

Loan flow

How a loan runs in Equatorial Guinea. Five steps, all local.

  1. 01ApplyBorrowers apply on the web, in the app or via WhatsApp, with forms in Spanish and French.
  2. 02VerifyIdentity and documents are checked through National ID and Sumsub.
  3. 03DecideScorecards pull Centrale des risques (BEAC) data and return a decision in seconds.
  4. 04DisburseFunds go out via Bank transfers or Mobile wallets in XAF, straight after signing.
  5. 05CollectRepayments arrive via Bank debit and Payroll deduction, 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

500 000 FCFA

Next payment

89 170 FCFA · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

RaquelVerifierApproved
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 Equatorial Guinea launch on .

Consumer loansSalary-backed personal credit with digital applications.
SME working capitalShort-term lines for traders and small businesses.
MicrofinanceGroup and individual loans with field-officer workflows.

Compliance

Configured for COBAC and local privacy law.

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

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 COBAC 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 Equatorial Guinea?+

Yes. The platform is set up for XAF, Spanish and French and COBAC requirements, with 14 local connectors ready on day one.

Which credit data sources are connected in Equatorial Guinea?+

Centrale des risques (BEAC). On top of that, identity checks run through National ID and Sumsub and bank data comes from Mobile money statements and Bank statement parsing.

How do borrowers get paid and repay?+

Payouts go out via Bank transfers and Mobile wallets in XAF. Repayments arrive via Bank debit and Payroll deduction, with reminders over WhatsApp Business and Africa's Talking.

How long does a launch in Equatorial Guinea take?+

Usually 1–2 weeks from kickoff to the first loan, including connecting 14 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 Equatorial Guinea? 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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