Lending software for Seychelles

Seychelles has a small, high-income population, and lenders there compete on speed and service. lendhero arrives with Credit Information System (CBS), National ID and Bank transfers already connected, so your team configures products instead of plumbing.

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

Bonjour, Natasha

ApprovedSCR 50,000

762

Credit score

On-time payments

Monthly paymentSCR 4,920

Market profile

Seychelles at a glance

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

Currency

SCR (SR)

Languages

English, French

Supervisor

Central Bank of Seychelles

Credit data

Credit Information System (CBS)

Payout rails

Bank transfers, SEFT

Data protection

the Data Protection Act

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

Working with borrowers in Seychelles

Tools for every borrower conversation

Borrowers in Seychelles apply, sign, pay and come back for repeat loans in English and SCR.

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 English.

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

Natasha · Consumer loan, 6 months · SCR 50,000

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

Local stack

The Seychelles stack, connected before kickoff.

lendhero ships with the connectors lenders in the Seychelles use every day, from Credit Information System (CBS) to Bank debit. New ones are added through the open API.

  • Credit bureaus & registries1 connector
    • CCredit Information System (CBS)
  • Identity & KYC2 connectors
    • NNational ID
    • SSumsub
  • Bank & alternative data1 connector
    • BBank statement parsing
  • Disbursement rails2 connectors
    • BBank transfers
    • SSEFT
  • Repayments & collections2 connectors
    • BBank debit
    • PPayroll deduction
  • Messaging3 connectors
    • WWhatsApp Business
    • IInfobip
  • E-signature2 connectors
    • DDocuSign

Checks and payments

Who borrows and how money moves in Seychelles

Applicants are checked with Credit Information System (CBS), and money moves via Bank transfers and SEFT.

Client checks

Checks connected in Seychelles:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationNational ID, SumsubPass
  • Credit bureausCredit Information System (CBS)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 Seychelles:

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

SCR 50,000

On track
Auto-calculated · 200+ parametersManual edit
Repaid SCR 17,830 of SCR 53,5002 of 6 payments
DateAmountStatus
Sep 4SCR 8,920Paid
Oct 4SCR 8,920Paid
Nov 4SCR 8,920Due in 7 days
Dec 4SCR 8,920Upcoming
Jan 4SCR 8,920Upcoming
Reminder sentYour payment of SCR 8,920 is due Nov 4

Loan flow

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

  1. 01ApplyBorrowers apply on the web, in the app or via WhatsApp, with forms in English and French.
  2. 02VerifyIdentity and documents are checked through National ID and Sumsub.
  3. 03DecideScorecards pull Credit Information System (CBS) data and return a decision in seconds.
  4. 04DisburseFunds go out via Bank transfers or SEFT in SCR, 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

SCR 50,000

Next payment

SCR 8,920 · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

NatashaVerifierApproved
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 Seychelles launch on .

Consumer loansPersonal credit with fast digital decisions.
Tourism SME lendingSeasonal working capital for hospitality businesses.
Housing loansHome and renovation loans with long schedules.

Compliance

Configured for CBS and the Data Protection Act.

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

Hosting & data residency

Cloud or on-premise deployment, with data stored where the Data Protection Act requires.

Consent & privacy

Borrower consents are captured, versioned and logged under the Data Protection Act.

Pricing & disclosures

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

Audit trail

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

More markets in East 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 Seychelles?+

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

Which credit data sources are connected in Seychelles?+

Credit Information System (CBS). 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 Bank transfers and SEFT in SCR. Repayments arrive via Bank debit and Payroll deduction, with reminders over WhatsApp Business and Infobip.

How long does a launch in Seychelles 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 Seychelles? 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.

By sending this form you agree that lendhero may contact you about your request. See our Privacy Policy.