Lending software for Tunisia

Tunisian microfinance institutions serve a market that is quickly adopting wallets such as D17. lendhero arrives with Central credit register (BCT), CIN validation and Bank transfers already connected, so your team configures products instead of plumbing.

See the local stack
  • TND (DT)
  • French, Arabic
  • 14 local connectors
  • 1–2 weeks to launch

Bonjour, Yasmine

Approved5 000 TND

802

Credit score

On-time payments

Monthly payment492 TND

Market profile

Tunisia at a glance

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

Currency

TND (DT)

Languages

French, Arabic

Supervisor

Banque Centrale de Tunisie and ACM

Credit data

Central credit register (BCT)

Payout rails

Bank transfers, D17, Flouci

Data protection

Law 2004-63

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

Working with borrowers in Tunisia

Tools for every borrower conversation

Borrowers in Tunisia apply, sign, pay and come back for repeat loans in French and TND.

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

Yasmine · Consumer loan, 6 months · 5 000 TND

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

Local stack

The Tunisia stack, connected before kickoff.

lendhero ships with the connectors lenders in Tunisia use every day, from Central credit register (BCT) to D17. New ones are added through the open API.

  • Credit bureaus & registries1 connector
    • CCentral credit register (BCT)
  • Identity & KYC2 connectors
    • CCIN validation
    • SSmile ID
  • Bank & alternative data1 connector
    • BBank statement parsing
  • Disbursement rails3 connectors
    • BBank transfers
    • DD17
    • FFlouci
  • Repayments & collections3 connectors
    • DD17
    • PPost office network
    • BBank debit
  • Messaging3 connectors
    • WWhatsApp Business
    • IInfobip
  • E-signature2 connectors
    • DDocuSign

Checks and payments

Who borrows and how money moves in Tunisia

Applicants are checked with Central credit register (BCT), and money moves via Bank transfers and D17.

Client checks

Checks connected in Tunisia:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationCIN validation, Smile IDPass
  • Credit bureausCentral credit register (BCT)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 Tunisia:

DisbursementBank transfers, D17, Flouci in TND
RepaymentD17, Post office network, Bank debit
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • Bank transfers
  • D17
  • Flouci
  • Post office network
  • 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 TND 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

5 000 TND

On track
Auto-calculated · 200+ parametersManual edit
Repaid 1 780 TND of 5 350 TND2 of 6 payments
DateAmountStatus
Sep 4890 TNDPaid
Oct 4890 TNDPaid
Nov 4890 TNDDue in 7 days
Dec 4890 TNDUpcoming
Jan 4890 TNDUpcoming
Reminder sentYour payment of 890 TND is due Nov 4

Loan flow

How a loan runs in Tunisia. 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 CIN validation and Smile ID.
  3. 03DecideScorecards pull Central credit register (BCT) data and return a decision in seconds.
  4. 04DisburseFunds go out via Bank transfers or D17 in TND, straight after signing.
  5. 05CollectRepayments arrive via D17 and Post office network, 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

5 000 TND

Next payment

890 TND · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

YasmineVerifierApproved
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 Tunisia launch on .

MicrofinanceGroup and individual loans with field-officer workflows.
Merchant creditShort-term credit for traders, paid out to wallets.
SME lendingWorking capital and equipment loans for small businesses.

Compliance

Configured for ACM and Law 2004-63.

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

Hosting & data residency

Cloud or on-premise deployment, with data stored where Law 2004-63 requires.

Consent & privacy

Borrower consents are captured, versioned and logged under Law 2004-63.

Pricing & disclosures

Rates, fees and cost-of-credit disclosures set per product for ACM 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 Tunisia?+

Yes. The platform is set up for TND, French and Arabic and ACM requirements, with 14 local connectors ready on day one.

Which credit data sources are connected in Tunisia?+

Central credit register (BCT). On top of that, identity checks run through CIN validation and Smile ID and bank data comes from Bank statement parsing.

How do borrowers get paid and repay?+

Payouts go out via Bank transfers, D17 and Flouci in TND. Repayments arrive via D17, Post office network and Bank debit, with reminders over WhatsApp Business and Infobip.

How long does a launch in Tunisia 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 Tunisia? 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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