Lending software for Moldova

A market led by non-bank lenders and microfinance, with MIA instant payments and Viber for reminders. lendhero arrives with Biroul de Credit Moldova, MPass and MIA instant payments already connected, so your team configures products instead of plumbing.

See the local stack
  • MDL (L)
  • Romanian, English
  • 13 local connectors
  • 1–2 weeks to launch

Bună, Maria

Approved20 000 L

723

Credit score

On-time payments

Monthly payment983 L

Market profile

Moldova at a glance

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

Currency

MDL (L)

Languages

Romanian, English

Supervisor

NCFM and National Bank of Moldova

Credit data

Biroul de Credit Moldova

Payout rails

MIA instant payments, Card

Data protection

Law 133 on personal data

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

Working with borrowers in Moldova

Tools for every borrower conversation

Borrowers in Moldova apply, sign, pay and come back for repeat loans in Romanian and MDL.

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 Romanian.

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 · 20 000 L

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

Local stack

The Moldova stack, connected before kickoff.

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

  • Credit bureaus & registries1 connector
    • BBiroul de Credit Moldova
  • Identity & KYC2 connectors
    • MMPass
    • OOnfido
  • Bank & alternative data1 connector
    • BBank statements
  • Disbursement rails2 connectors
    • MMIA instant payments
    • CCard
  • Repayments & collections3 connectors
    • CCard
    • BBank transfer
    • PPayment terminals
  • Messaging3 connectors
    • VViber Business
    • IInfobip
  • E-signature2 connectors
    • MMSign
    • DDocuSign

Checks and payments

Who borrows and how money moves in Moldova

Applicants are checked with Biroul de Credit Moldova, and money moves via MIA instant payments and Card.

Client checks

Checks connected in Moldova:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationMPass, OnfidoPass
  • Credit bureausBiroul de Credit MoldovaPass
  • 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 Moldova:

DisbursementMIA instant payments, Card in MDL
RepaymentCard, Bank transfer, Payment terminals
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • MIA instant payments
  • Card
  • Bank transfer
  • Payment terminals

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 MDL 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

20 000 L

On track
Auto-calculated · 200+ parametersManual edit
Repaid 7 130 L of 21 400 L2 of 6 payments
DateAmountStatus
Sep 43 570 LPaid
Oct 43 570 LPaid
Nov 43 570 LDue in 7 days
Dec 43 570 LUpcoming
Jan 43 570 LUpcoming
Reminder sentYour payment of 3 570 L is due Nov 4

Loan flow

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

  1. 01ApplyBorrowers apply on the web, in the app or via Viber, with forms in Romanian and English.
  2. 02VerifyIdentity and documents are checked through MPass and Onfido.
  3. 03DecideScorecards pull Biroul de Credit Moldova data and return a decision in seconds.
  4. 04DisburseFunds go out via MIA instant payments or Card in MDL, straight after signing.
  5. 05CollectRepayments arrive via Card and Bank transfer, 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

20 000 L

Next payment

3 570 L · 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 Moldova launch on .

MicrofinanceLoans for farmers and small businesses.
Consumer instalment loansOnline personal loans.
Business lendingWorking capital for SMEs.

Compliance

Configured for NCFM and Law 133 on personal data.

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

Hosting & data residency

Cloud or on-premise deployment, with data stored where Law 133 on personal data requires.

Consent & privacy

Borrower consents are captured, versioned and logged under Law 133 on personal data.

Pricing & disclosures

Rates, fees and cost-of-credit disclosures set per product for NCFM 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 Moldova?+

Yes. The platform is set up for MDL, Romanian and English and NCFM requirements, with 13 local connectors ready on day one.

Which credit data sources are connected in Moldova?+

Biroul de Credit Moldova. On top of that, identity checks run through MPass and Onfido and bank data comes from Bank statements.

How do borrowers get paid and repay?+

Payouts go out via MIA instant payments and Card in MDL. Repayments arrive via Card, Bank transfer and Payment terminals, with reminders over Viber Business and Infobip.

How long does a launch in Moldova 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 Moldova? 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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