Lending software for Czechia

A market where Bank iD logs borrowers in and NRKI and SOLUS registers are checked before every loan. lendhero arrives with CBCB, Bank iD and Instant payments already connected, so your team configures products instead of plumbing.

See the local stack
  • CZK (Kč)
  • Czech, English
  • 15 local connectors
  • 1–2 weeks to launch

Dobrý den, Tereza

Approved100 000 Kč

719

Credit score

On-time payments

Monthly payment2 460 Kč

Market profile

Czechia at a glance

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

Currency

CZK (Kč)

Languages

Czech, English

Supervisor

Czech National Bank

Credit data

CBCB, NRKI, SOLUS

Payout rails

Instant payments, QR platba

Data protection

GDPR and Act 110/2019

15
local connectors wired in before kickoff
CZK
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
2
interface languages: Czech, English

Working with borrowers in Czechia

Tools for every borrower conversation

Borrowers in Czechia apply, sign, pay and come back for repeat loans in Czech and CZK.

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 Sinch automatically.

Your application is approvedWhatsApp Business
Your payment is due tomorrowSinch
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 Czech.

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

Tereza · Consumer loan, 6 months · 100 000 Kč

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

Local stack

The Czechia stack, connected before kickoff.

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

  • Credit bureaus & registries3 connectors
    • CCBCB
    • NNRKI
    • SSOLUS
  • Identity & KYC2 connectors
    • BBank iD
    • OOnfido
  • Bank & alternative data2 connectors
    • TTink
    • SSalt Edge
  • Disbursement rails2 connectors
    • IInstant payments
    • QQR platba
  • Repayments & collections3 connectors
    • DDirect debit
    • QQR platba
    • CCard
  • Messaging3 connectors
    • WWhatsApp Business
    • SSinch
  • E-signature2 connectors
    • BBank iD
    • DDocuSign

Checks and payments

Who borrows and how money moves in Czechia

Applicants are checked with CBCB and NRKI, and money moves via Instant payments and QR platba.

Client checks

Checks connected in Czechia:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationBank iD, OnfidoPass
  • Credit bureausCBCB, NRKI, SOLUSPass
  • 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 Czechia:

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

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 CZK 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

100 000 Kč

On track
Auto-calculated · 200+ parametersManual edit
Repaid 35 670 Kč of 107 000 Kč2 of 6 payments
DateAmountStatus
Sep 417 830 KčPaid
Oct 417 830 KčPaid
Nov 417 830 KčDue in 7 days
Dec 417 830 KčUpcoming
Jan 417 830 KčUpcoming
Reminder sentYour payment of 17 830 Kč is due Nov 4

Loan flow

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

  1. 01ApplyBorrowers apply on the web, in the app or via email, with forms in Czech and English.
  2. 02VerifyIdentity and documents are checked through Bank iD and Onfido.
  3. 03DecideScorecards pull CBCB and NRKI data and return a decision in seconds.
  4. 04DisburseFunds go out via Instant payments or QR platba in CZK, straight after signing.
  5. 05CollectRepayments arrive via Direct debit and QR platba, 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

100 000 Kč

Next payment

17 830 Kč · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

TerezaVerifierApproved
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 Czechia launch on .

Consumer instalment loansSpotřebitelské úvěry with NRKI and SOLUS checks.
BNPL & POSInstalments for e-commerce.
Business lendingLoans for SMEs and sole traders.

Compliance

Configured for CNB and GDPR and Act 110/2019.

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

Hosting & data residency

Cloud or on-premise deployment, with data stored where GDPR and Act 110/2019 requires.

Consent & privacy

Borrower consents are captured, versioned and logged under GDPR and Act 110/2019.

Pricing & disclosures

Rates, fees and cost-of-credit disclosures set per product for CNB 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 Czechia?+

Yes. The platform is set up for CZK, Czech and English and CNB requirements, with 15 local connectors ready on day one.

Which credit data sources are connected in Czechia?+

CBCB, NRKI, SOLUS. On top of that, identity checks run through Bank iD and Onfido and bank data comes from Tink and Salt Edge.

How do borrowers get paid and repay?+

Payouts go out via Instant payments and QR platba in CZK. Repayments arrive via Direct debit, QR platba and Card, with reminders over WhatsApp Business and Sinch.

How long does a launch in Czechia take?+

Usually 1–2 weeks from kickoff to the first loan, including connecting 15 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 Czechia? 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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