Lending software for Bosnia and Herzegovina

A market with strong microcredit organisations and a central credit register shared by banks and MCOs. lendhero arrives with CRK (Central Credit Register), Onfido and RTGS already connected, so your team configures products instead of plumbing.

See the local stack
  • BAM (KM)
  • Bosnian, Serbian, Croatian, English
  • 13 local connectors
  • 1–2 weeks to launch

Zdravo, Amra

Approved5.000 KM

757

Credit score

On-time payments

Monthly payment164 KM

Market profile

Bosnia and Herzegovina at a glance

What lendhero is set up for in Bosnia and Herzegovina before your team logs in.

Currency

BAM (KM)

Languages

Bosnian, Serbian, Croatian, English

Supervisor

FBA and ABRS

Credit data

CRK (Central Credit Register)

Payout rails

RTGS, Gyro clearing

Data protection

the Law on Personal Data Protection

13
local connectors wired in before kickoff
BAM
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
4
interface languages: Bosnian, Serbian, Croatian, English

Working with borrowers in Bosnia and Herzegovina

Tools for every borrower conversation

Borrowers in Bosnia and Herzegovina apply, sign, pay and come back for repeat loans in Bosnian and BAM.

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 Viber Business and Infobip automatically.

Your application is approvedViber 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 Bosnian.

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

Amra · Consumer loan, 6 months · 5.000 KM

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

Local stack

The Bosnia and Herzegovina stack, connected before kickoff.

CRK (Central Credit Register), Onfido, RTGS and Viber Business are wired in before launch. Anything else comes through the open API.

  • Credit bureaus & registries1 connector
    • CCRK (Central Credit Register)
  • Identity & KYC2 connectors
    • OOnfido
    • SSumsub
  • Bank & alternative data1 connector
    • BBank statements
  • Disbursement rails2 connectors
    • RRTGS
    • GGyro clearing
  • Repayments & collections2 connectors
    • CCard
    • BBank transfer
  • Messaging3 connectors
    • VViber Business
    • IInfobip
  • E-signature2 connectors
    • DDocuSign
    • YYousign

Checks and payments

Who borrows and how money moves in Bosnia and Herzegovina

Applicants are checked with CRK (Central Credit Register), and money moves via RTGS and Gyro clearing.

Client checks

Checks connected in Bosnia and Herzegovina:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationOnfido, SumsubPass
  • Credit bureausCRK (Central Credit Register)Pass
  • 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 Bosnia and Herzegovina:

DisbursementRTGS, Gyro clearing in BAM
RepaymentCard, Bank transfer
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • RTGS
  • Gyro clearing
  • 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 BAM 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 KM

On track
Auto-calculated · 200+ parametersManual edit
Repaid 1.780 KM of 5.350 KM2 of 6 payments
DateAmountStatus
Sep 4890 KMPaid
Oct 4890 KMPaid
Nov 4890 KMDue in 7 days
Dec 4890 KMUpcoming
Jan 4890 KMUpcoming
Reminder sentYour payment of 890 KM is due Nov 4

Loan flow

How a loan runs in Bosnia and Herzegovina. Five steps, all local.

  1. 01ApplyBorrowers apply on the web, in the app or via Viber, with forms in Bosnian, Serbian, Croatian and English.
  2. 02VerifyIdentity and documents are checked through Onfido and Sumsub.
  3. 03DecideScorecards pull CRK (Central Credit Register) data and return a decision in seconds.
  4. 04DisburseFunds go out via RTGS or Gyro clearing in BAM, straight after signing.
  5. 05CollectRepayments arrive via Card and Bank transfer, with reminders over Viber Business.

Portals

One platform, three portals

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

My loan

5.000 KM

Next payment

890 KM · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

AmraVerifierApproved
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 Bosnia and Herzegovina launch on .

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

Compliance

Configured for FBA and ABRS and the Law on Personal Data Protection.

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

Hosting & data residency

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

Consent & privacy

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

Pricing & disclosures

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

Audit trail

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

More markets in Western Balkans

All Europe 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 Bosnia and Herzegovina?+

Yes. The platform is set up for BAM, Bosnian, Serbian, Croatian and English and FBA and ABRS requirements, with 13 local connectors ready on day one.

Which credit data sources are connected in Bosnia and Herzegovina?+

CRK (Central Credit Register). On top of that, identity checks run through Onfido and Sumsub and bank data comes from Bank statements.

How do borrowers get paid and repay?+

Payouts go out via RTGS and Gyro clearing in BAM. Repayments arrive via Card and Bank transfer, with reminders over Viber Business and Infobip.

How long does a launch in Bosnia and Herzegovina 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 Bosnia and Herzegovina? 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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