Lending software for Brunei

A small Islamic-finance-led market with a central credit bureau run by the central bank. lendhero arrives with Credit Bureau of BDCB, BruneiID and Instant transfers already connected, so your team configures products instead of plumbing.

See the local stack
  • BND (B$)
  • Malay, English
  • 12 local connectors
  • 1–2 weeks to launch

Hi, Nur

ApprovedB$10,000

796

Credit score

On-time payments

Monthly paymentB$492

Market profile

Brunei at a glance

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

Currency

BND (B$)

Languages

Malay, English

Supervisor

Brunei Darussalam Central Bank

Credit data

Credit Bureau of BDCB

Payout rails

Instant transfers, Card

Data protection

the PDPO

12
local connectors wired in before kickoff
BND
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
2
interface languages: Malay, English

Working with borrowers in Brunei

Tools for every borrower conversation

Borrowers in Brunei apply, sign, pay and come back for repeat loans in Malay and BND.

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 Malay.

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

Nur · Consumer loan, 6 months · B$10,000

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

Local stack

The Brunei stack, connected before kickoff.

Credit Bureau of BDCB, BruneiID, Instant transfers and WhatsApp Business are wired in before launch. Anything else comes through the open API.

  • Credit bureaus & registries1 connector
    • CCredit Bureau of BDCB
  • Identity & KYC2 connectors
    • BBruneiID
    • OOnfido
  • Bank & alternative data1 connector
    • BBank statements
  • Disbursement rails2 connectors
    • IInstant transfers
    • CCard
  • Repayments & collections2 connectors
    • DDirect debit
    • CCard
  • Messaging3 connectors
    • WWhatsApp Business
    • IInfobip
  • E-signature2 connectors
    • DDocuSign

Checks and payments

Who borrows and how money moves in Brunei

Applicants are checked with Credit Bureau of BDCB, and money moves via Instant transfers and Card.

Client checks

Checks connected in Brunei:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationBruneiID, OnfidoPass
  • Credit bureausCredit Bureau of BDCBPass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataBank statementsReview
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in Brunei:

DisbursementInstant transfers, Card in BND
RepaymentDirect debit, Card
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • Instant transfers
  • Card
  • Direct 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 BND 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

B$10,000

On track
Auto-calculated · 200+ parametersManual edit
Repaid B$3,570 of B$10,7002 of 6 payments
DateAmountStatus
Sep 4B$1,780Paid
Oct 4B$1,780Paid
Nov 4B$1,780Due in 7 days
Dec 4B$1,780Upcoming
Jan 4B$1,780Upcoming
Reminder sentYour payment of B$1,780 is due Nov 4

Loan flow

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

  1. 01ApplyBorrowers apply on the web, in the app or via WhatsApp, with forms in Malay and English.
  2. 02VerifyIdentity and documents are checked through BruneiID and Onfido.
  3. 03DecideScorecards pull Credit Bureau of BDCB data and return a decision in seconds.
  4. 04DisburseFunds go out via Instant transfers or Card in BND, straight after signing.
  5. 05CollectRepayments arrive via Direct debit and Card, 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

B$10,000

Next payment

B$1,780 · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

NurVerifierApproved
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 Brunei launch on .

Islamic financingSharia-compliant personal financing.
Auto financingVehicle financing.
Business lendingSME financing.

Compliance

Configured for BDCB and the PDPO.

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

Hosting & data residency

Cloud or on-premise deployment, with data stored where the PDPO requires.

Consent & privacy

Borrower consents are captured, versioned and logged under the PDPO.

Pricing & disclosures

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

Audit trail

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

More markets in Southeast Asia

All Asia 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 Brunei?+

Yes. The platform is set up for BND, Malay and English and BDCB requirements, with 12 local connectors ready on day one.

Which credit data sources are connected in Brunei?+

Credit Bureau of BDCB. On top of that, identity checks run through BruneiID and Onfido and bank data comes from Bank statements.

How do borrowers get paid and repay?+

Payouts go out via Instant transfers and Card in BND. Repayments arrive via Direct debit and Card, with reminders over WhatsApp Business and Infobip.

How long does a launch in Brunei take?+

Usually 1–2 weeks from kickoff to the first loan, including connecting 12 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 Brunei? 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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