Lending software for Guinea

Orange Money is the main financial account for many Guineans, so wallet-based lending is the fastest route to scale. lendhero arrives with Credit registry (BCRG), National ID and Orange Money already connected, so your team configures products instead of plumbing.

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

Bonjour, Mariama

Approved5 000 000 GNF

711

Credit score

On-time payments

Monthly payment492 000 GNF

Market profile

Guinea at a glance

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

Currency

GNF (FG)

Languages

French, English

Supervisor

Banque Centrale de la République de Guinée

Credit data

Credit registry (BCRG)

Payout rails

Orange Money, MTN MoMo

Data protection

local privacy law

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

Working with borrowers in Guinea

Tools for every borrower conversation

Borrowers in Guinea apply, sign, pay and come back for repeat loans in French and GNF.

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

Mariama · Consumer loan, 6 months · 5 000 000 GNF

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

Local stack

The Guinea stack, connected before kickoff.

lendhero ships with the connectors lenders in Guinea use every day, from Credit registry (BCRG) to Orange Money. New ones are added through the open API.

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

Checks and payments

Who borrows and how money moves in Guinea

Applicants are checked with Credit registry (BCRG), and money moves via Orange Money and MTN MoMo.

Client checks

Checks connected in Guinea:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationNational ID, Smile IDPass
  • Credit bureausCredit registry (BCRG)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 Guinea:

DisbursementOrange Money, MTN MoMo in GNF
RepaymentOrange Money, MTN MoMo, Bank debit
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • Orange Money
  • MTN MoMo
  • 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 GNF 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

5 000 000 GNF

On track
Auto-calculated · 200+ parametersManual edit
Repaid 1 783 330 GNF of 5 350 000 GNF2 of 6 payments
DateAmountStatus
Sep 4891 670 GNFPaid
Oct 4891 670 GNFPaid
Nov 4891 670 GNFDue in 7 days
Dec 4891 670 GNFUpcoming
Jan 4891 670 GNFUpcoming
Reminder sentYour payment of 891 670 GNF is due Nov 4

Loan flow

How a loan runs in Guinea. 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 Credit registry (BCRG) data and return a decision in seconds.
  4. 04DisburseFunds go out via Orange Money or MTN MoMo in GNF, straight after signing.
  5. 05CollectRepayments arrive via Orange Money and MTN MoMo, 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

5 000 000 GNF

Next payment

891 670 GNF · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

MariamaVerifierApproved
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 Guinea launch on .

MicrofinanceGroup and individual loans for MFIs and savings cooperatives.
Wallet nano-loansSmall loans scored on wallet history and paid out in minutes.
Agri and trader creditSeasonal schedules for farmers and market traders.

Compliance

Configured for BCRG and local privacy law.

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

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

Which credit data sources are connected in Guinea?+

Credit registry (BCRG). 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 Orange Money and MTN MoMo in GNF. Repayments arrive via Orange Money, MTN MoMo and Bank debit, with reminders over WhatsApp Business and Africa's Talking.

How long does a launch in Guinea 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 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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