Lending software for Togo

Togo's e-ID rollout and the Flooz and T-Money wallets give lenders a remote path to borrowers. lendhero arrives with Creditinfo VoLo (BIC UEMOA), ANID e-ID and Flooz already connected, so your team configures products instead of plumbing.

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

Bonjour, Akossiwa

Approved500 000 FCFA

781

Credit score

On-time payments

Monthly payment49 200 FCFA

Market profile

Togo at a glance

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

Currency

XOF (FCFA)

Languages

French, English

Supervisor

BCEAO and the UMOA Banking Commission

Credit data

Creditinfo VoLo (BIC UEMOA)

Payout rails

Flooz, T-Money

Data protection

Law 2019-014

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

Working with borrowers in Togo

Tools for every borrower conversation

Borrowers in Togo apply, sign, pay and come back for repeat loans in French and XOF.

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

Akossiwa · Consumer loan, 6 months · 500 000 FCFA

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

Local stack

The Togo stack, connected before kickoff.

Bureaus, identity, bank data, payment rails and messaging that lenders in Togo rely on. Anything missing is added through the open API.

  • Credit bureaus & registries1 connector
    • CCreditinfo VoLo (BIC UEMOA)
  • Identity & KYC2 connectors
    • AANID e-ID
    • SSmile ID
  • Bank & alternative data2 connectors
    • MMobile money statements
    • BBank statement parsing
  • Disbursement rails2 connectors
    • FFlooz
    • TT-Money
  • Repayments & collections3 connectors
    • FFlooz
    • TT-Money
    • BBank debit
  • Messaging3 connectors
    • WWhatsApp Business
    • AAfrica's Talking
    • IInfobip
  • E-signature2 connectors
    • DDocuSign

Checks and payments

Who borrows and how money moves in Togo

Applicants are checked with Creditinfo VoLo (BIC UEMOA), and money moves via Flooz and T-Money.

Client checks

Checks connected in Togo:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationANID e-ID, Smile IDPass
  • Credit bureausCreditinfo VoLo (BIC UEMOA)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 Togo:

DisbursementFlooz, T-Money in XOF
RepaymentFlooz, T-Money, Bank debit
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • Flooz
  • T-Money
  • 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 XOF 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

500 000 FCFA

On track
Auto-calculated · 200+ parametersManual edit
Repaid 178 330 FCFA of 535 000 FCFA2 of 6 payments
DateAmountStatus
Sep 489 170 FCFAPaid
Oct 489 170 FCFAPaid
Nov 489 170 FCFADue in 7 days
Dec 489 170 FCFAUpcoming
Jan 489 170 FCFAUpcoming
Reminder sentYour payment of 89 170 FCFA is due Nov 4

Loan flow

How a loan runs in Togo. 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 ANID e-ID and Smile ID.
  3. 03DecideScorecards pull Creditinfo VoLo (BIC UEMOA) data and return a decision in seconds.
  4. 04DisburseFunds go out via Flooz or T-Money in XOF, straight after signing.
  5. 05CollectRepayments arrive via Flooz and T-Money, 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

500 000 FCFA

Next payment

89 170 FCFA · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

AkossiwaVerifierApproved
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 Togo launch on .

MicrofinanceGroup and individual loans with field-officer workflows.
SME working capitalShort-term lines for traders and small businesses.
Payroll loansSalary-deduction credit for public and private employees.

Compliance

Configured for BCEAO and Law 2019-014.

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

Hosting & data residency

Cloud or on-premise deployment, with data stored where Law 2019-014 requires.

Consent & privacy

Borrower consents are captured, versioned and logged under Law 2019-014.

Pricing & disclosures

Rates, fees and cost-of-credit disclosures set per product for BCEAO 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 Togo?+

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

Which credit data sources are connected in Togo?+

Creditinfo VoLo (BIC UEMOA). On top of that, identity checks run through ANID e-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 Flooz and T-Money in XOF. Repayments arrive via Flooz, T-Money and Bank debit, with reminders over WhatsApp Business and Africa's Talking.

How long does a launch in Togo 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 Togo? 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.