Lending software for Bangladesh
One of the world’s largest microfinance markets, moving collections to bKash and Nagad. lendhero arrives with CIB (Bangladesh Bank), NID verification and bKash already connected, so your team configures products instead of plumbing.
- BDT (Tk)
- Bengali, English
- 13 local connectors
- 1–2 weeks to launch
Assalamu alaikum, Nusrat
766
Credit score
On-time payments
Market profile
Bangladesh at a glance
What lendhero is set up for in Bangladesh before your team logs in.
Currency
BDT (Tk)
Languages
Bengali, English
Supervisor
Microcredit Regulatory Authority and Bangladesh Bank
Credit data
CIB (Bangladesh Bank)
Payout rails
bKash, Nagad, NPSB
Data protection
the Digital Security rules
- 13
- local connectors wired in before kickoff
- BDT
- for pricing, payouts and repayments
- 1–2
- weeks from kickoff to the first loan
- 2
- interface languages: Bengali, English
Working with borrowers in Bangladesh
Tools for every borrower conversation
Borrowers in Bangladesh apply, sign, pay and come back for repeat loans in Bengali and BDT.
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
Nusrat · Consumer loan, 6 months · Tk 30,000
- IdentityVerified
- Anti-fraudPassed
- Credit bureau712
- Debt-to-income31%
- Sanctions & watchlistsClear
Local stack
The Bangladesh stack,
connected before kickoff.
lendhero ships with the connectors lenders in Bangladesh use every day, from CIB (Bangladesh Bank) to bKash. New ones are added through the open API.
- Credit bureaus & registries1 connector
- CCIB (Bangladesh Bank)
- Identity & KYC2 connectors
- NNID verification
- PPorichoy
- Bank & alternative data1 connector
- MMobile wallet data
- Disbursement rails3 connectors
- bbKash
- NNagad
- NNPSB
- Repayments & collections3 connectors
- bbKash
- NNagad
- BBank transfer
- Messaging3 connectors
- WWhatsApp Business
- IInfobip
- E-signature2 connectors
- DDocuSign
Checks and payments
Who borrows and how money moves in Bangladesh
Applicants are checked with CIB (Bangladesh Bank), and money moves via bKash and Nagad.
Client checks
Checks connected in Bangladesh:
- Anti-fraud servicesDevice, behaviour and blacklist checksPass
- Identity verificationNID verification, PorichoyPass
- Credit bureausCIB (Bangladesh Bank)Pass
- Government registriesNational ID and tax registriesPass
- Bank and alternative dataMobile wallet dataReview
- Additional data sourcesTelco, open banking and your own listsAuto
Payment infrastructure
Payment rails connected in Bangladesh:
- bKash
- Nagad
- NPSB
- Bank transfer
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 BDT 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
Tk 30,000
On track| Date | Amount | Status |
|---|---|---|
| Sep 4 | Tk 5,350 | Paid |
| Oct 4 | Tk 5,350 | Paid |
| Nov 4 | Tk 5,350 | Due in 7 days |
| Dec 4 | Tk 5,350 | Upcoming |
| Jan 4 | Tk 5,350 | Upcoming |
Loan flow
How a loan runs in Bangladesh. Five steps, all local.
- 01ApplyBorrowers apply on the web, in the app or via WhatsApp, with forms in Bengali and English.
- 02VerifyIdentity and documents are checked through NID verification and Porichoy.
- 03DecideScorecards pull CIB (Bangladesh Bank) data and return a decision in seconds.
- 04DisburseFunds go out via bKash or Nagad in BDT, straight after signing.
- 05CollectRepayments arrive via bKash and Nagad, with reminders over WhatsApp Business.
Portals
One platform, three portals
Everyone works in the same system and sees only what their role allows.
Products
What lenders in Bangladesh launch
on lendhero.
Compliance
Configured for MRA and Bangladesh Bank and the Digital Security rules.
lendhero is software: the licence stays yours. We set the platform up for the rules you operate under in Bangladesh.
Hosting & data residency
Cloud or on-premise deployment, with data stored where the Digital Security rules requires.
Consent & privacy
Borrower consents are captured, versioned and logged under the Digital Security rules.
Pricing & disclosures
Rates, fees and cost-of-credit disclosures set per product for MRA and Bangladesh Bank rules.
Audit trail
Every decision, edit and message is logged for internal and external audits.
India
Pakistan
Sri Lanka
Nepal
Bhutan
MaldivesQuestions
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 Bangladesh?+–
Yes. The platform is set up for BDT, Bengali and English and MRA and Bangladesh Bank requirements, with 13 local connectors ready on day one.
Which credit data sources are connected in Bangladesh?+–
CIB (Bangladesh Bank). On top of that, identity checks run through NID verification and Porichoy and bank data comes from Mobile wallet data.
How do borrowers get paid and repay?+–
Payouts go out via bKash, Nagad and NPSB in BDT. Repayments arrive via bKash, Nagad and Bank transfer, with reminders over WhatsApp Business and Infobip.
How long does a launch in Bangladesh 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 Bangladesh?
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