Lending software for The Gambia

Wave and local wallets have spread quickly across The Gambia, giving lenders a digital channel for payouts and repayments. lendhero arrives with Credit Reference Bureau (CBG), National ID and Wave already connected, so your team configures products instead of plumbing.

See the local stack
  • GMD (D)
  • English
  • 14 local connectors
  • 1–2 weeks to launch

Hi, Fatou

ApprovedD 30,000

708

Credit score

On-time payments

Monthly paymentD 2,950

Market profile

The Gambia at a glance

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

Currency

GMD (D)

Languages

English

Supervisor

Central Bank of The Gambia

Credit data

Credit Reference Bureau (CBG)

Payout rails

Wave, QMoney, Afrimoney

Data protection

local privacy law

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

Working with borrowers in The Gambia

Tools for every borrower conversation

Borrowers in The Gambia apply, sign, pay and come back for repeat loans in English and GMD.

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 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

Fatou · Consumer loan, 6 months · D 30,000

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

Local stack

The The Gambia stack, connected before kickoff.

Credit Reference Bureau (CBG), National ID, Wave and WhatsApp Business are wired in before launch. Anything else comes through the open API.

  • Credit bureaus & registries1 connector
    • CCredit Reference Bureau (CBG)
  • Identity & KYC2 connectors
    • NNational ID
    • SSmile ID
  • Bank & alternative data2 connectors
    • MMobile money statements
    • BBank statement parsing
  • Disbursement rails3 connectors
    • WWave
    • QQMoney
    • AAfrimoney
  • Repayments & collections3 connectors
    • WWave
    • QQMoney
    • BBank debit
  • Messaging3 connectors
    • WWhatsApp Business
    • AAfrica's Talking
    • IInfobip
  • E-signature2 connectors
    • DDocuSign

Checks and payments

Who borrows and how money moves in The Gambia

Applicants are checked with Credit Reference Bureau (CBG), and money moves via Wave and QMoney.

Client checks

Checks connected in The Gambia:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationNational ID, Smile IDPass
  • Credit bureausCredit Reference Bureau (CBG)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 The Gambia:

DisbursementWave, QMoney, Afrimoney in GMD
RepaymentWave, QMoney, Bank debit
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • Wave
  • QMoney
  • Afrimoney
  • 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 GMD 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

D 30,000

On track
Auto-calculated · 200+ parametersManual edit
Repaid D 10,700 of D 32,1002 of 6 payments
DateAmountStatus
Sep 4D 5,350Paid
Oct 4D 5,350Paid
Nov 4D 5,350Due in 7 days
Dec 4D 5,350Upcoming
Jan 4D 5,350Upcoming
Reminder sentYour payment of D 5,350 is due Nov 4

Loan flow

How a loan runs in The Gambia. Five steps, all local.

  1. 01ApplyBorrowers apply on the web, in the app or via WhatsApp, with forms in English.
  2. 02VerifyIdentity and documents are checked through National ID and Smile ID.
  3. 03DecideScorecards pull Credit Reference Bureau (CBG) data and return a decision in seconds.
  4. 04DisburseFunds go out via Wave or QMoney in GMD, straight after signing.
  5. 05CollectRepayments arrive via Wave and QMoney, 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

D 30,000

Next payment

D 5,350 · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

FatouVerifierApproved
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 The Gambia 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 CBG and local privacy law.

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

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 CBG 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 The Gambia?+

Yes. The platform is set up for GMD, English and CBG requirements, with 14 local connectors ready on day one.

Which credit data sources are connected in The Gambia?+

Credit Reference Bureau (CBG). 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 Wave, QMoney and Afrimoney in GMD. Repayments arrive via Wave, QMoney and Bank debit, with reminders over WhatsApp Business and Africa's Talking.

How long does a launch in The Gambia 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 The Gambia? 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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