Lending software for Mauritania

Wallets such as Bankily now carry most retail payments in Mauritania, opening a digital path to credit. lendhero arrives with Centrale des risques (BCM), National ID and Bankily already connected, so your team configures products instead of plumbing.

See the local stack
  • MRU (UM)
  • French, Arabic
  • 12 local connectors
  • 1–2 weeks to launch

Bonjour, Mariem

Approved30 000 MRU

765

Credit score

On-time payments

Monthly payment2 950 MRU

Market profile

Mauritania at a glance

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

Currency

MRU (UM)

Languages

French, Arabic

Supervisor

Banque Centrale de Mauritanie

Credit data

Centrale des risques (BCM)

Payout rails

Bankily, Masrvi, Sedad

Data protection

Law 2017-020

12
local connectors wired in before kickoff
MRU
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
2
interface languages: French, Arabic

Working with borrowers in Mauritania

Tools for every borrower conversation

Borrowers in Mauritania apply, sign, pay and come back for repeat loans in French and MRU.

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 Infobip automatically.

Your application is approvedWhatsApp Business
Your payment is due tomorrowInfobip
New receipt in your portalSMS

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

Mariem · Consumer loan, 6 months · 30 000 MRU

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

Local stack

The Mauritania stack, connected before kickoff.

Centrale des risques (BCM), National ID, Bankily and WhatsApp Business are wired in before launch. Anything else comes through the open API.

  • Credit bureaus & registries1 connector
    • CCentrale des risques (BCM)
  • Identity & KYC2 connectors
    • NNational ID
    • SSumsub
  • Bank & alternative data1 connector
    • BBank statement parsing
  • Disbursement rails3 connectors
    • BBankily
    • MMasrvi
    • SSedad
  • Repayments & collections2 connectors
    • BBankily
    • MMasrvi
  • Messaging3 connectors
    • WWhatsApp Business
    • IInfobip
  • E-signature2 connectors
    • DDocuSign

Checks and payments

Who borrows and how money moves in Mauritania

Applicants are checked with Centrale des risques (BCM), and money moves via Bankily and Masrvi.

Client checks

Checks connected in Mauritania:

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

DisbursementBankily, Masrvi, Sedad in MRU
RepaymentBankily, Masrvi
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • Bankily
  • Masrvi
  • Sedad

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 MRU 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

30 000 MRU

On track
Auto-calculated · 200+ parametersManual edit
Repaid 10 700 MRU of 32 100 MRU2 of 6 payments
DateAmountStatus
Sep 45 350 MRUPaid
Oct 45 350 MRUPaid
Nov 45 350 MRUDue in 7 days
Dec 45 350 MRUUpcoming
Jan 45 350 MRUUpcoming
Reminder sentYour payment of 5 350 MRU is due Nov 4

Loan flow

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

  1. 01ApplyBorrowers apply on the web, in the app or via WhatsApp, with forms in French and Arabic.
  2. 02VerifyIdentity and documents are checked through National ID and Sumsub.
  3. 03DecideScorecards pull Centrale des risques (BCM) data and return a decision in seconds.
  4. 04DisburseFunds go out via Bankily or Masrvi in MRU, straight after signing.
  5. 05CollectRepayments arrive via Bankily and Masrvi, 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

30 000 MRU

Next payment

5 350 MRU · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

MariemVerifierApproved
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 Mauritania launch on .

Islamic microfinanceMurabaha and mudaraba products for microfinance networks.
Merchant creditShort-term credit for traders, paid out to Bankily.
SME lendingWorking capital for small businesses.

Compliance

Configured for BCM and Law 2017-020.

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

Hosting & data residency

Cloud or on-premise deployment, with data stored where Law 2017-020 requires.

Consent & privacy

Borrower consents are captured, versioned and logged under Law 2017-020.

Pricing & disclosures

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

Audit trail

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

More markets in North 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 Mauritania?+

Yes. The platform is set up for MRU, French and Arabic and BCM requirements, with 12 local connectors ready on day one.

Which credit data sources are connected in Mauritania?+

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

How do borrowers get paid and repay?+

Payouts go out via Bankily, Masrvi and Sedad in MRU. Repayments arrive via Bankily and Masrvi, with reminders over WhatsApp Business and Infobip.

How long does a launch in Mauritania take?+

Usually 1–2 weeks from kickoff to the first loan, including connecting 12 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 Mauritania? 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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