Lending software for Liechtenstein

A small, high-income market where lenders serve residents, companies and cross-border workers. lendhero arrives with Lender data, IDnow and SEPA already connected, so your team configures products instead of plumbing.

See the local stack
  • CHF (CHF)
  • German, English
  • 13 local connectors
  • 1–2 weeks to launch

Hallo, Sarah

ApprovedCHF 15’000

731

Credit score

On-time payments

Monthly paymentCHF 492

Market profile

Liechtenstein at a glance

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

Currency

CHF (CHF)

Languages

German, English

Supervisor

FMA Liechtenstein

Credit data

Lender data, CRIF Switzerland

Payout rails

SEPA, SIC

Data protection

GDPR

13
local connectors wired in before kickoff
CHF
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
2
interface languages: German, English

Working with borrowers in Liechtenstein

Tools for every borrower conversation

Borrowers in Liechtenstein apply, sign, pay and come back for repeat loans in German and CHF.

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 German.

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

Sarah · Consumer loan, 6 months · CHF 15’000

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

Local stack

The Liechtenstein stack, connected before kickoff.

Lender data, IDnow, SEPA and WhatsApp Business are wired in before launch. Anything else comes through the open API.

  • Credit bureaus & registries2 connectors
    • LLender data
    • CCRIF Switzerland
  • Identity & KYC2 connectors
    • IIDnow
    • OOnfido
  • Bank & alternative data1 connector
    • BBank statements
  • Disbursement rails2 connectors
    • SSEPA
    • SSIC
  • Repayments & collections1 connector
    • LLSV+
  • Messaging3 connectors
    • WWhatsApp Business
    • SSinch
  • E-signature2 connectors
    • DDocuSign
    • YYousign

Checks and payments

Who borrows and how money moves in Liechtenstein

Applicants are checked with Lender data and CRIF Switzerland, and money moves via SEPA and SIC.

Client checks

Checks connected in Liechtenstein:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationIDnow, OnfidoPass
  • Credit bureausLender data, CRIF SwitzerlandPass
  • 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 Liechtenstein:

DisbursementSEPA, SIC in CHF
RepaymentLSV+
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • SEPA
  • SIC
  • LSV+

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 CHF 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

CHF 15’000

On track
Auto-calculated · 200+ parametersManual edit
Repaid CHF 15’000 of CHF 15’0002 of 6 payments
DateAmountStatus
Sep 4CHF 15’000Paid
Oct 4CHF 15’000Paid
Nov 4CHF 15’000Due in 7 days
Dec 4CHF 15’000Upcoming
Jan 4CHF 15’000Upcoming
Reminder sentYour payment of CHF 15’000 is due Nov 4

Loan flow

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

  1. 01ApplyBorrowers apply on the web, in the app or via email, with forms in German and English.
  2. 02VerifyIdentity and documents are checked through IDnow and Onfido.
  3. 03DecideScorecards pull Lender data and CRIF Switzerland data and return a decision in seconds.
  4. 04DisburseFunds go out via SEPA or SIC in CHF, straight after signing.
  5. 05CollectRepayments arrive via LSV+, 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

CHF 15’000

Next payment

CHF 15’000 · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

SarahVerifierApproved
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 Liechtenstein launch on .

Consumer instalment loansPersonal loans for residents.
Business lendingCredit for industrial and service SMEs.
Auto financingCar loans and leasing.

Compliance

Configured for FMA Liechtenstein and GDPR.

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

Hosting & data residency

Cloud or on-premise deployment, with data stored where GDPR requires.

Consent & privacy

Borrower consents are captured, versioned and logged under GDPR.

Pricing & disclosures

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

Audit trail

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

More markets in Western 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 Liechtenstein?+

Yes. The platform is set up for CHF, German and English and FMA Liechtenstein requirements, with 13 local connectors ready on day one.

Which credit data sources are connected in Liechtenstein?+

Lender data, CRIF Switzerland. On top of that, identity checks run through IDnow and Onfido and bank data comes from Bank statements.

How do borrowers get paid and repay?+

Payouts go out via SEPA and SIC in CHF. Repayments arrive via LSV+, with reminders over WhatsApp Business and Sinch.

How long does a launch in Liechtenstein 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 Liechtenstein? 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.

By sending this form you agree that lendhero may contact you about your request. See our Privacy Policy.