Lending software for Mozambique

M-Pesa and e-Mola give lenders in Mozambique a Portuguese-speaking, mobile-first market to build on. lendhero arrives with Central de Registo de Crédito, BI national ID and M-Pesa already connected, so your team configures products instead of plumbing.

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

Olá, Lurdes

Approved30 000 MT

789

Credit score

On-time payments

Monthly payment2 950 MT

Market profile

Mozambique at a glance

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

Currency

MZN (MT)

Languages

Portuguese, English

Supervisor

Banco de Moçambique

Credit data

Central de Registo de Crédito

Payout rails

M-Pesa, e-Mola, mKesh

Data protection

local privacy law

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

Working with borrowers in Mozambique

Tools for every borrower conversation

Borrowers in Mozambique apply, sign, pay and come back for repeat loans in Portuguese and MZN.

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

Lurdes · Consumer loan, 6 months · 30 000 MT

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

Local stack

The Mozambique stack, connected before kickoff.

Central de Registo de Crédito, BI national ID, M-Pesa and WhatsApp Business are wired in before launch. Anything else comes through the open API.

  • Credit bureaus & registries1 connector
    • CCentral de Registo de Crédito
  • Identity & KYC2 connectors
    • BBI national ID
    • SSmile ID
  • Bank & alternative data2 connectors
    • MMobile money statements
    • BBank statement parsing
  • Disbursement rails3 connectors
    • MM-Pesa
    • ee-Mola
    • mmKesh
  • Repayments & collections3 connectors
    • MM-Pesa
    • ee-Mola
    • mmKesh
  • Messaging3 connectors
    • WWhatsApp Business
    • AAfrica's Talking
    • IInfobip
  • E-signature2 connectors
    • DDocuSign

Checks and payments

Who borrows and how money moves in Mozambique

Applicants are checked with Central de Registo de Crédito, and money moves via M-Pesa and e-Mola.

Client checks

Checks connected in Mozambique:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationBI national ID, Smile IDPass
  • Credit bureausCentral de Registo de CréditoPass
  • 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 Mozambique:

DisbursementM-Pesa, e-Mola, mKesh in MZN
RepaymentM-Pesa, e-Mola, mKesh
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • M-Pesa
  • e-Mola
  • mKesh

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 MZN 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 MT

On track
Auto-calculated · 200+ parametersManual edit
Repaid 10 700 MT of 32 100 MT2 of 6 payments
DateAmountStatus
Sep 45 350 MTPaid
Oct 45 350 MTPaid
Nov 45 350 MTDue in 7 days
Dec 45 350 MTUpcoming
Jan 45 350 MTUpcoming
Reminder sentYour payment of 5 350 MT is due Nov 4

Loan flow

How a loan runs in Mozambique. 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 BI national ID and Smile ID.
  3. 03DecideScorecards pull Central de Registo de Crédito data and return a decision in seconds.
  4. 04DisburseFunds go out via M-Pesa or e-Mola in MZN, straight after signing.
  5. 05CollectRepayments arrive via M-Pesa and e-Mola, 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 MT

Next payment

5 350 MT · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

LurdesVerifierApproved
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 Mozambique launch on .

MicrofinanceGroup and individual loans for MFIs and 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 Banco de Moçambique and local privacy law.

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

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 Banco de Moçambique rules.

Audit trail

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

More markets in Southern 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 Mozambique?+

Yes. The platform is set up for MZN, Portuguese and English and Banco de Moçambique requirements, with 13 local connectors ready on day one.

Which credit data sources are connected in Mozambique?+

Central de Registo de Crédito. On top of that, identity checks run through BI 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, e-Mola and mKesh in MZN. Repayments arrive via M-Pesa, e-Mola and mKesh, with reminders over WhatsApp Business and Africa's Talking.

How long does a launch in Mozambique 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 Mozambique? 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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