Lending software for North Macedonia

A market where non-bank financial companies are growing fast and the Macedonian Credit Bureau is checked on every loan. lendhero arrives with MKB (Macedonian Credit Bureau), Onfido and KIBS already connected, so your team configures products instead of plumbing.

See the local stack
  • MKD (MKD)
  • Macedonian, Albanian, English
  • 14 local connectors
  • 1–2 weeks to launch

Zdravo, Elena

Approved150.000 MKD

744

Credit score

On-time payments

Monthly payment4.920 MKD

Market profile

North Macedonia at a glance

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

Currency

MKD (MKD)

Languages

Macedonian, Albanian, English

Supervisor

National Bank of North Macedonia

Credit data

MKB (Macedonian Credit Bureau), NBRSM register

Payout rails

KIBS, MIPS

Data protection

the Law on Personal Data Protection

14
local connectors wired in before kickoff
MKD
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
3
interface languages: Macedonian, Albanian, English

Working with borrowers in North Macedonia

Tools for every borrower conversation

Borrowers in North Macedonia apply, sign, pay and come back for repeat loans in Macedonian and MKD.

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 Macedonian.

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

Elena · Consumer loan, 6 months · 150.000 MKD

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

Local stack

The North Macedonia stack, connected before kickoff.

lendhero ships with the connectors lenders in North Macedonia use every day, from MKB (Macedonian Credit Bureau) to Card. New ones are added through the open API.

  • Credit bureaus & registries2 connectors
    • MMKB (Macedonian Credit Bureau)
    • NNBRSM register
  • Identity & KYC2 connectors
    • OOnfido
    • SSumsub
  • Bank & alternative data1 connector
    • BBank statements
  • Disbursement rails2 connectors
    • KKIBS
    • MMIPS
  • Repayments & collections2 connectors
    • CCard
    • BBank transfer
  • Messaging3 connectors
    • VViber Business
    • IInfobip
  • E-signature2 connectors
    • DDocuSign
    • YYousign

Checks and payments

Who borrows and how money moves in North Macedonia

Applicants are checked with MKB (Macedonian Credit Bureau) and NBRSM register, and money moves via KIBS and MIPS.

Client checks

Checks connected in North Macedonia:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationOnfido, SumsubPass
  • Credit bureausMKB (Macedonian Credit Bureau), NBRSM registerPass
  • 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 North Macedonia:

DisbursementKIBS, MIPS in MKD
RepaymentCard, Bank transfer
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • KIBS
  • MIPS
  • Card
  • 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 MKD 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

150.000 MKD

On track
Auto-calculated · 200+ parametersManual edit
Repaid 53.500 MKD of 160.500 MKD2 of 6 payments
DateAmountStatus
Sep 426.750 MKDPaid
Oct 426.750 MKDPaid
Nov 426.750 MKDDue in 7 days
Dec 426.750 MKDUpcoming
Jan 426.750 MKDUpcoming
Reminder sentYour payment of 26.750 MKD is due Nov 4

Loan flow

How a loan runs in North Macedonia. Five steps, all local.

  1. 01ApplyBorrowers apply on the web, in the app or via Viber, with forms in Macedonian, Albanian and English.
  2. 02VerifyIdentity and documents are checked through Onfido and Sumsub.
  3. 03DecideScorecards pull MKB (Macedonian Credit Bureau) and NBRSM register data and return a decision in seconds.
  4. 04DisburseFunds go out via KIBS or MIPS in MKD, 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

150.000 MKD

Next payment

26.750 MKD · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

ElenaVerifierApproved
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 North Macedonia launch on .

Consumer instalment loansOnline personal loans with MKB checks.
MicrofinanceLoans for farmers and micro-businesses.
BNPL & POSInstalments for retailers.

Compliance

Configured for NBRSM 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 North Macedonia.

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 NBRSM rules.

Audit trail

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

More markets in Western Balkans

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 North Macedonia?+

Yes. The platform is set up for MKD, Macedonian, Albanian and English and NBRSM requirements, with 14 local connectors ready on day one.

Which credit data sources are connected in North Macedonia?+

MKB (Macedonian Credit Bureau), NBRSM register. On top of that, identity checks run through Onfido and Sumsub and bank data comes from Bank statements.

How do borrowers get paid and repay?+

Payouts go out via KIBS and MIPS in MKD. Repayments arrive via Card and Bank transfer, with reminders over Viber Business and Infobip.

How long does a launch in North Macedonia 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 North Macedonia? 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.