Lending software for Sri Lanka

A market led by finance companies and microfinance, with LankaPay rails and CRIB checks. lendhero arrives with CRIB, NIC verification and CEFTS already connected, so your team configures products instead of plumbing.

See the local stack
  • LKR (Rs)
  • Sinhala, Tamil, English
  • 14 local connectors
  • 1–2 weeks to launch

Ayubowan, Dilani

ApprovedRs 150,000

737

Credit score

On-time payments

Monthly paymentRs 7,380

Market profile

Sri Lanka at a glance

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

Currency

LKR (Rs)

Languages

Sinhala, Tamil, English

Supervisor

Central Bank of Sri Lanka

Credit data

CRIB

Payout rails

CEFTS, LankaPay, JustPay

Data protection

the Personal Data Protection Act

14
local connectors wired in before kickoff
LKR
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
3
interface languages: Sinhala, Tamil, English

Working with borrowers in Sri Lanka

Tools for every borrower conversation

Borrowers in Sri Lanka apply, sign, pay and come back for repeat loans in Sinhala and LKR.

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 Sinhala.

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

Dilani · Consumer loan, 6 months · Rs 150,000

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

Local stack

The Sri Lanka stack, connected before kickoff.

lendhero ships with the connectors lenders in Sri Lanka use every day, from CRIB to JustPay. New ones are added through the open API.

  • Credit bureaus & registries1 connector
    • CCRIB
  • Identity & KYC2 connectors
    • NNIC verification
    • OOnfido
  • Bank & alternative data1 connector
    • BBank statements
  • Disbursement rails3 connectors
    • CCEFTS
    • LLankaPay
    • JJustPay
  • Repayments & collections3 connectors
    • JJustPay
    • CCard
    • BBank transfer
  • Messaging3 connectors
    • WWhatsApp Business
    • IInfobip
  • E-signature2 connectors
    • DDocuSign

Checks and payments

Who borrows and how money moves in Sri Lanka

Applicants are checked with CRIB, and money moves via CEFTS and LankaPay.

Client checks

Checks connected in Sri Lanka:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationNIC verification, OnfidoPass
  • Credit bureausCRIBPass
  • 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 Sri Lanka:

DisbursementCEFTS, LankaPay, JustPay in LKR
RepaymentJustPay, Card, Bank transfer
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • CEFTS
  • LankaPay
  • JustPay
  • Card
  • 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 LKR 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

Rs 150,000

On track
Auto-calculated · 200+ parametersManual edit
Repaid Rs 53,500 of Rs 160,5002 of 6 payments
DateAmountStatus
Sep 4Rs 26,750Paid
Oct 4Rs 26,750Paid
Nov 4Rs 26,750Due in 7 days
Dec 4Rs 26,750Upcoming
Jan 4Rs 26,750Upcoming
Reminder sentYour payment of Rs 26,750 is due Nov 4

Loan flow

How a loan runs in Sri Lanka. Five steps, all local.

  1. 01ApplyBorrowers apply on the web, in the app or via WhatsApp, with forms in Sinhala, Tamil and English.
  2. 02VerifyIdentity and documents are checked through NIC verification and Onfido.
  3. 03DecideScorecards pull CRIB data and return a decision in seconds.
  4. 04DisburseFunds go out via CEFTS or LankaPay in LKR, straight after signing.
  5. 05CollectRepayments arrive via JustPay 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

Rs 150,000

Next payment

Rs 26,750 · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

DilaniVerifierApproved
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 Sri Lanka launch on .

MicrofinanceLoans for micro-entrepreneurs.
Auto financingVehicle and three-wheeler leasing.
Consumer instalment loansPersonal loans.

Compliance

Configured for CBSL and the Personal Data Protection Act.

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

Hosting & data residency

Cloud or on-premise deployment, with data stored where the Personal Data Protection Act requires.

Consent & privacy

Borrower consents are captured, versioned and logged under the Personal Data Protection Act.

Pricing & disclosures

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

Audit trail

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

More markets in South 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 Sri Lanka?+

Yes. The platform is set up for LKR, Sinhala, Tamil and English and CBSL requirements, with 14 local connectors ready on day one.

Which credit data sources are connected in Sri Lanka?+

CRIB. On top of that, identity checks run through NIC verification and Onfido and bank data comes from Bank statements.

How do borrowers get paid and repay?+

Payouts go out via CEFTS, LankaPay and JustPay in LKR. Repayments arrive via JustPay, Card and Bank transfer, with reminders over WhatsApp Business and Infobip.

How long does a launch in Sri Lanka 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 Sri Lanka? 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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