Lending software for Cambodia

A microfinance-led market where Bakong and KHQR make repayments instant. lendhero arrives with Credit Bureau Cambodia, CamDigiKey and Bakong already connected, so your team configures products instead of plumbing.

See the local stack
  • KHR (KHR)
  • Khmer, English
  • 13 local connectors
  • 1–2 weeks to launch

Suostei, Sreymom

Approved4,000,000 KHR

721

Credit score

On-time payments

Monthly payment262,000 KHR

Market profile

Cambodia at a glance

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

Currency

KHR (KHR)

Languages

Khmer, English

Supervisor

National Bank of Cambodia

Credit data

Credit Bureau Cambodia

Payout rails

Bakong, KHQR, ABA

Data protection

national data rules

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

Working with borrowers in Cambodia

Tools for every borrower conversation

Borrowers in Cambodia apply, sign, pay and come back for repeat loans in Khmer and KHR.

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 Telegram and Infobip automatically.

Your application is approvedTelegram
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 Khmer.

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

Sreymom · Consumer loan, 6 months · 4,000,000 KHR

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

Local stack

The Cambodia stack, connected before kickoff.

lendhero ships with the connectors lenders in Cambodia use every day, from Credit Bureau Cambodia to KHQR. New ones are added through the open API.

  • Credit bureaus & registries1 connector
    • CCredit Bureau Cambodia
  • Identity & KYC2 connectors
    • CCamDigiKey
    • OOnfido
  • Bank & alternative data1 connector
    • BBank and wallet data
  • Disbursement rails3 connectors
    • BBakong
    • KKHQR
    • AABA
  • Repayments & collections3 connectors
    • KKHQR
    • BBakong
    • WWing
  • Messaging3 connectors
    • TTelegram
    • IInfobip
  • E-signature2 connectors
    • DDocuSign

Checks and payments

Who borrows and how money moves in Cambodia

Applicants are checked with Credit Bureau Cambodia, and money moves via Bakong and KHQR.

Client checks

Checks connected in Cambodia:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationCamDigiKey, OnfidoPass
  • Credit bureausCredit Bureau CambodiaPass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataBank and wallet dataReview
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in Cambodia:

DisbursementBakong, KHQR, ABA in KHR
RepaymentKHQR, Bakong, Wing
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • Bakong
  • KHQR
  • ABA
  • Wing

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 KHR 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

4,000,000 KHR

On track
Auto-calculated · 200+ parametersManual edit
Repaid 1,426,670 KHR of 4,280,000 KHR2 of 6 payments
DateAmountStatus
Sep 4713,330 KHRPaid
Oct 4713,330 KHRPaid
Nov 4713,330 KHRDue in 7 days
Dec 4713,330 KHRUpcoming
Jan 4713,330 KHRUpcoming
Reminder sentYour payment of 713,330 KHR is due Nov 4

Loan flow

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

  1. 01ApplyBorrowers apply on the web, in the app or via Telegram, with forms in Khmer and English.
  2. 02VerifyIdentity and documents are checked through CamDigiKey and Onfido.
  3. 03DecideScorecards pull Credit Bureau Cambodia data and return a decision in seconds.
  4. 04DisburseFunds go out via Bakong or KHQR in KHR, straight after signing.
  5. 05CollectRepayments arrive via KHQR and Bakong, with reminders over Telegram.

Portals

One platform, three portals

Everyone works in the same system and sees only what their role allows.

My loan

4,000,000 KHR

Next payment

713,330 KHR · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

SreymomVerifierApproved
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 Cambodia launch on .

MicrofinanceLoans for farmers and micro-businesses.
Consumer instalment loansPersonal loans.
Business lendingLoans for small traders.

Compliance

Configured for NBC and national data rules.

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

Hosting & data residency

Cloud or on-premise deployment, with data stored where national data rules requires.

Consent & privacy

Borrower consents are captured, versioned and logged under national data rules.

Pricing & disclosures

Rates, fees and cost-of-credit disclosures set per product for NBC 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 Cambodia?+

Yes. The platform is set up for KHR, Khmer and English and NBC requirements, with 13 local connectors ready on day one.

Which credit data sources are connected in Cambodia?+

Credit Bureau Cambodia. On top of that, identity checks run through CamDigiKey and Onfido and bank data comes from Bank and wallet data.

How do borrowers get paid and repay?+

Payouts go out via Bakong, KHQR and ABA in KHR. Repayments arrive via KHQR, Bakong and Wing, with reminders over Telegram and Infobip.

How long does a launch in Cambodia 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 Cambodia? 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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