Lending software for Bulgaria

A busy non-bank lending market where Viber reaches borrowers and Easypay counters take repayments. lendhero arrives with Central Credit Register, Evrotrust and SEPA already connected, so your team configures products instead of plumbing.

See the local stack
  • BGN (BGN)
  • Bulgarian, English
  • 16 local connectors
  • 1–2 weeks to launch

Zdravei, Maria

Approved3 000 BGN

775

Credit score

On-time payments

Monthly payment98 BGN

Market profile

Bulgaria at a glance

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

Currency

BGN (BGN)

Languages

Bulgarian, English

Supervisor

Bulgarian National Bank

Credit data

Central Credit Register, Lender data

Payout rails

SEPA, BISERA, Blink

Data protection

GDPR and the Personal Data Protection Act

16
local connectors wired in before kickoff
BGN
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
2
interface languages: Bulgarian, English

Working with borrowers in Bulgaria

Tools for every borrower conversation

Borrowers in Bulgaria apply, sign, pay and come back for repeat loans in Bulgarian and BGN.

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 Bulgarian.

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

Maria · Consumer loan, 6 months · 3 000 BGN

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

Local stack

The Bulgaria stack, connected before kickoff.

Bureaus, identity, bank data, payment rails and messaging that lenders in Bulgaria rely on. Anything missing is added through the open API.

  • Credit bureaus & registries2 connectors
    • CCentral Credit Register
    • LLender data
  • Identity & KYC2 connectors
    • EEvrotrust
    • OOnfido
  • Bank & alternative data2 connectors
    • TTink
    • SSalt Edge
  • Disbursement rails3 connectors
    • SSEPA
    • BBISERA
    • BBlink
  • Repayments & collections3 connectors
    • DDirect debit
    • CCard
    • EEasypay
  • Messaging3 connectors
    • VViber Business
    • IInfobip
  • E-signature2 connectors
    • EEvrotrust
    • DDocuSign

Checks and payments

Who borrows and how money moves in Bulgaria

Applicants are checked with Central Credit Register and Lender data, and money moves via SEPA and BISERA.

Client checks

Checks connected in Bulgaria:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationEvrotrust, OnfidoPass
  • Credit bureausCentral Credit Register, Lender dataPass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataTink, Salt EdgeReview
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in Bulgaria:

DisbursementSEPA, BISERA, Blink in BGN
RepaymentDirect debit, Card, Easypay
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • SEPA
  • BISERA
  • Blink
  • Direct debit
  • Card
  • Easypay

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 BGN 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

3 000 BGN

On track
Auto-calculated · 200+ parametersManual edit
Repaid 1 070 BGN of 3 210 BGN2 of 6 payments
DateAmountStatus
Sep 4540 BGNPaid
Oct 4540 BGNPaid
Nov 4540 BGNDue in 7 days
Dec 4540 BGNUpcoming
Jan 4540 BGNUpcoming
Reminder sentYour payment of 540 BGN is due Nov 4

Loan flow

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

  1. 01ApplyBorrowers apply on the web, in the app or via Viber, with forms in Bulgarian and English.
  2. 02VerifyIdentity and documents are checked through Evrotrust and Onfido.
  3. 03DecideScorecards pull Central Credit Register and Lender data data and return a decision in seconds.
  4. 04DisburseFunds go out via SEPA or BISERA in BGN, straight after signing.
  5. 05CollectRepayments arrive via Direct debit and Card, 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

3 000 BGN

Next payment

540 BGN · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

MariaVerifierApproved
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 Bulgaria launch on .

Consumer instalment loansOnline personal loans with central register checks.
MicrofinanceSmall loans for the self-employed.
BNPL & POSInstalments for retailers.

Compliance

Configured for BNB and GDPR 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 Bulgaria.

Hosting & data residency

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

Consent & privacy

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

Pricing & disclosures

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

Audit trail

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

More markets in Central & Eastern Europe

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 Bulgaria?+

Yes. The platform is set up for BGN, Bulgarian and English and BNB requirements, with 16 local connectors ready on day one.

Which credit data sources are connected in Bulgaria?+

Central Credit Register, Lender data. On top of that, identity checks run through Evrotrust and Onfido and bank data comes from Tink and Salt Edge.

How do borrowers get paid and repay?+

Payouts go out via SEPA, BISERA and Blink in BGN. Repayments arrive via Direct debit, Card and Easypay, with reminders over Viber Business and Infobip.

How long does a launch in Bulgaria take?+

Usually 1–2 weeks from kickoff to the first loan, including connecting 16 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 Bulgaria? 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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