Lending software for Georgia

A competitive market where payment kiosks, cards and Creditinfo data support fast consumer and SME lending. lendhero arrives with Creditinfo Georgia, Onfido and Instant transfers already connected, so your team configures products instead of plumbing.

See the local stack
  • GEL (GEL)
  • Georgian, English
  • 14 local connectors
  • 1–2 weeks to launch

Gamarjoba, Nino

Approved3,000 GEL

804

Credit score

On-time payments

Monthly payment148 GEL

Market profile

Georgia at a glance

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

Currency

GEL (GEL)

Languages

Georgian, English

Supervisor

National Bank of Georgia

Credit data

Creditinfo Georgia

Payout rails

Instant transfers, Card, Pay boxes

Data protection

the Law on Personal Data Protection

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

Working with borrowers in Georgia

Tools for every borrower conversation

Borrowers in Georgia apply, sign, pay and come back for repeat loans in Georgian and GEL.

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 Georgian.

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

Nino · Consumer loan, 6 months · 3,000 GEL

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

Local stack

The Georgia stack, connected before kickoff.

lendhero ships with the connectors lenders in Georgia use every day, from Creditinfo Georgia to Card. New ones are added through the open API.

  • Credit bureaus & registries1 connector
    • CCreditinfo Georgia
  • Identity & KYC2 connectors
    • OOnfido
    • SSumsub
  • Bank & alternative data2 connectors
    • BBank statements
    • RRevenue Service data
  • Disbursement rails3 connectors
    • IInstant transfers
    • CCard
    • PPay boxes
  • Repayments & collections3 connectors
    • CCard
    • PPay boxes
    • BBank transfer
  • Messaging3 connectors
    • WWhatsApp Business
    • IInfobip
  • E-signature2 connectors
    • DDocuSign
    • YYousign

Checks and payments

Who borrows and how money moves in Georgia

Applicants are checked with Creditinfo Georgia, and money moves via Instant transfers and Card.

Client checks

Checks connected in Georgia:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationOnfido, SumsubPass
  • Credit bureausCreditinfo GeorgiaPass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataBank statements, Revenue Service dataReview
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in Georgia:

DisbursementInstant transfers, Card, Pay boxes in GEL
RepaymentCard, Pay boxes, Bank transfer
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • Instant transfers
  • Card
  • Pay boxes
  • 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 GEL 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 GEL

On track
Auto-calculated · 200+ parametersManual edit
Repaid 1,070 GEL of 3,210 GEL2 of 6 payments
DateAmountStatus
Sep 4540 GELPaid
Oct 4540 GELPaid
Nov 4540 GELDue in 7 days
Dec 4540 GELUpcoming
Jan 4540 GELUpcoming
Reminder sentYour payment of 540 GEL is due Nov 4

Loan flow

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

  1. 01ApplyBorrowers apply on the web, in the app or via WhatsApp, with forms in Georgian and English.
  2. 02VerifyIdentity and documents are checked through Onfido and Sumsub.
  3. 03DecideScorecards pull Creditinfo Georgia data and return a decision in seconds.
  4. 04DisburseFunds go out via Instant transfers or Card in GEL, straight after signing.
  5. 05CollectRepayments arrive via Card and Pay boxes, 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

3,000 GEL

Next payment

540 GEL · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

NinoVerifierApproved
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 Georgia launch on .

Consumer instalment loansOnline personal loans.
MicrofinanceLoans for farmers and the self-employed.
BNPL & POSInstalments for electronics retail.

Compliance

Configured for NBG 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 Georgia.

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 NBG 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 Georgia?+

Yes. The platform is set up for GEL, Georgian and English and NBG requirements, with 14 local connectors ready on day one.

Which credit data sources are connected in Georgia?+

Creditinfo Georgia. On top of that, identity checks run through Onfido and Sumsub and bank data comes from Bank statements and Revenue Service data.

How do borrowers get paid and repay?+

Payouts go out via Instant transfers, Card and Pay boxes in GEL. Repayments arrive via Card, Pay boxes and Bank transfer, with reminders over WhatsApp Business and Infobip.

How long does a launch in Georgia 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 Georgia? 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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