Lending software for Greece
A recovering credit market where Tiresias checks, IRIS payments and servicers drive digital lending. lendhero arrives with Tiresias, Gov.gr Wallet and SEPA already connected, so your team configures products instead of plumbing.
- EUR (€)
- Greek, English
- 15 local connectors
- 1–2 weeks to launch
Yia sou, Eleni
723
Credit score
On-time payments
Market profile
Greece at a glance
What lendhero is set up for in Greece before your team logs in.
Currency
EUR (€)
Languages
Greek, English
Supervisor
Bank of Greece
Credit data
Tiresias, ICAP
Payout rails
SEPA, IRIS
Data protection
GDPR and Law 4624/2019
- 15
- local connectors wired in before kickoff
- EUR
- for pricing, payouts and repayments
- 1–2
- weeks from kickoff to the first loan
- 2
- interface languages: Greek, English
Working with borrowers in Greece
Tools for every borrower conversation
Borrowers in Greece apply, sign, pay and come back for repeat loans in Greek and EUR.
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
Eleni · Consumer loan, 6 months · 4.000 €
- IdentityVerified
- Anti-fraudPassed
- Credit bureau712
- Debt-to-income31%
- Sanctions & watchlistsClear
Local stack
The Greece stack,
connected before kickoff.
Tiresias, Gov.gr Wallet, SEPA and WhatsApp Business are wired in before launch. Anything else comes through the open API.
- Credit bureaus & registries2 connectors
- TTiresias
- IICAP
- Identity & KYC2 connectors
- GGov.gr Wallet
- OOnfido
- Bank & alternative data2 connectors
- TTink
- SSalt Edge
- Disbursement rails2 connectors
- SSEPA
- IIRIS
- Repayments & collections3 connectors
- SSEPA Direct Debit
- IIRIS
- CCard
- Messaging3 connectors
- WWhatsApp Business
- SSinch
- E-signature2 connectors
- DDocuSign
- YYousign
Checks and payments
Who borrows and how money moves in Greece
Applicants are checked with Tiresias and ICAP, and money moves via SEPA and IRIS.
Client checks
Checks connected in Greece:
- Anti-fraud servicesDevice, behaviour and blacklist checksPass
- Identity verificationGov.gr Wallet, OnfidoPass
- Credit bureausTiresias, ICAPPass
- 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 Greece:
- SEPA
- IRIS
- SEPA 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 EUR 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
4.000 €
On track| Date | Amount | Status |
|---|---|---|
| Sep 4 | 710 € | Paid |
| Oct 4 | 710 € | Paid |
| Nov 4 | 710 € | Due in 7 days |
| Dec 4 | 710 € | Upcoming |
| Jan 4 | 710 € | Upcoming |
Loan flow
How a loan runs in Greece. Five steps, all local.
- 01ApplyBorrowers apply on the web, in the app or via email, with forms in Greek and English.
- 02VerifyIdentity and documents are checked through Gov.gr Wallet and Onfido.
- 03DecideScorecards pull Tiresias and ICAP data and return a decision in seconds.
- 04DisburseFunds go out via SEPA or IRIS in EUR, straight after signing.
- 05CollectRepayments arrive via SEPA Direct Debit and IRIS, with reminders over WhatsApp Business.
Portals
One platform, three portals
Everyone works in the same system and sees only what their role allows.
Products
What lenders in Greece launch
on lendhero.
Compliance
Configured for Bank of Greece and GDPR and Law 4624/2019.
lendhero is software: the licence stays yours. We set the platform up for the rules you operate under in Greece.
Hosting & data residency
Cloud or on-premise deployment, with data stored where GDPR and Law 4624/2019 requires.
Consent & privacy
Borrower consents are captured, versioned and logged under GDPR and Law 4624/2019.
Pricing & disclosures
Rates, fees and cost-of-credit disclosures set per product for Bank of Greece rules.
Audit trail
Every decision, edit and message is logged for internal and external audits.
More markets in Southern Europe
All Europe markets
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Cyprus
Italy
Malta
Portugal
San Marino
Spain
TürkiyeQuestions
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 Greece?+–
Yes. The platform is set up for EUR, Greek and English and Bank of Greece requirements, with 15 local connectors ready on day one.
Which credit data sources are connected in Greece?+–
Tiresias, ICAP. On top of that, identity checks run through Gov.gr Wallet and Onfido and bank data comes from Tink and Salt Edge.
How do borrowers get paid and repay?+–
Payouts go out via SEPA and IRIS in EUR. Repayments arrive via SEPA Direct Debit, IRIS and Card, with reminders over WhatsApp Business and Sinch.
How long does a launch in Greece 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 Greece?
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