Lending software for San Marino

A small banking market with lenders serving residents and cross-border workers. lendhero arrives with Central credit register, Onfido and SEPA already connected, so your team configures products instead of plumbing.

See the local stack
  • EUR (€)
  • Italian, English
  • 13 local connectors
  • 1–2 weeks to launch

Ciao, Chiara

Approved6.000 €

792

Credit score

On-time payments

Monthly payment197 €

Market profile

San Marino at a glance

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

Currency

EUR (€)

Languages

Italian, English

Supervisor

Central Bank of San Marino

Credit data

Central credit register, Lender data

Payout rails

SEPA, Bank transfer

Data protection

Law 171/2018

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

Working with borrowers in San Marino

Tools for every borrower conversation

Borrowers in San Marino apply, sign, pay and come back for repeat loans in Italian and EUR.

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 Italian.

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

Chiara · Consumer loan, 6 months · 6.000 €

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

Local stack

The San Marino stack, connected before kickoff.

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

  • Credit bureaus & registries2 connectors
    • CCentral credit register
    • LLender data
  • Identity & KYC2 connectors
    • OOnfido
    • SSignicat
  • Bank & alternative data1 connector
    • BBank statements
  • Disbursement rails2 connectors
    • SSEPA
    • BBank transfer
  • Repayments & collections1 connector
    • SSEPA Direct Debit
  • Messaging3 connectors
    • WWhatsApp Business
    • SSinch
  • E-signature2 connectors
    • DDocuSign
    • YYousign

Checks and payments

Who borrows and how money moves in San Marino

Applicants are checked with Central credit register and Lender data, and money moves via SEPA and Bank transfer.

Client checks

Checks connected in San Marino:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationOnfido, SignicatPass
  • Credit bureausCentral credit register, Lender dataPass
  • 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 San Marino:

DisbursementSEPA, Bank transfer in EUR
RepaymentSEPA Direct Debit
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • SEPA
  • Bank transfer
  • SEPA Direct Debit

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

6.000 €

On track
Auto-calculated · 200+ parametersManual edit
Repaid 2.140 € of 6.420 €2 of 6 payments
DateAmountStatus
Sep 41.070 €Paid
Oct 41.070 €Paid
Nov 41.070 €Due in 7 days
Dec 41.070 €Upcoming
Jan 41.070 €Upcoming
Reminder sentYour payment of 1.070 € is due Nov 4

Loan flow

How a loan runs in San Marino. Five steps, all local.

  1. 01ApplyBorrowers apply on the web, in the app or via email, with forms in Italian and English.
  2. 02VerifyIdentity and documents are checked through Onfido and Signicat.
  3. 03DecideScorecards pull Central credit register and Lender data data and return a decision in seconds.
  4. 04DisburseFunds go out via SEPA or Bank transfer in EUR, straight after signing.
  5. 05CollectRepayments arrive via SEPA Direct Debit, 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

6.000 €

Next payment

1.070 € · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

ChiaraVerifierApproved
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 San Marino launch on .

Consumer instalment loansPersonal loans for residents.
Business lendingCredit for local SMEs.
Auto financingCar loans.

Compliance

Configured for Central Bank of San Marino and Law 171/2018.

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

Hosting & data residency

Cloud or on-premise deployment, with data stored where Law 171/2018 requires.

Consent & privacy

Borrower consents are captured, versioned and logged under Law 171/2018.

Pricing & disclosures

Rates, fees and cost-of-credit disclosures set per product for Central Bank of San Marino rules.

Audit trail

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

More markets in Southern 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 San Marino?+

Yes. The platform is set up for EUR, Italian and English and Central Bank of San Marino requirements, with 13 local connectors ready on day one.

Which credit data sources are connected in San Marino?+

Central credit register, Lender data. On top of that, identity checks run through Onfido and Signicat and bank data comes from Bank statements.

How do borrowers get paid and repay?+

Payouts go out via SEPA and Bank transfer in EUR. Repayments arrive via SEPA Direct Debit, with reminders over WhatsApp Business and Sinch.

How long does a launch in San Marino 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 San Marino? 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.