Lending software for Slovakia
A euro-area market where SRBI and NRKI checks are standard and non-bank lenders are licensed by NBS. lendhero arrives with SRBI, eID and SEPA already connected, so your team configures products instead of plumbing.
- EUR (€)
- Slovak, English
- 15 local connectors
- 1–2 weeks to launch
Ahoj, Zuzana
786
Credit score
On-time payments
Market profile
Slovakia at a glance
What lendhero is set up for in Slovakia before your team logs in.
Currency
EUR (€)
Languages
Slovak, English
Supervisor
National Bank of Slovakia
Credit data
SRBI, NRKI
Payout rails
SEPA, SEPA Instant
Data protection
GDPR and Act 18/2018
- 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: Slovak, English
Working with borrowers in Slovakia
Tools for every borrower conversation
Borrowers in Slovakia apply, sign, pay and come back for repeat loans in Slovak 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
Zuzana · Consumer loan, 6 months · 5 000 €
- IdentityVerified
- Anti-fraudPassed
- Credit bureau712
- Debt-to-income31%
- Sanctions & watchlistsClear
Local stack
The Slovakia stack,
connected before kickoff.
SRBI, eID, SEPA and WhatsApp Business are wired in before launch. Anything else comes through the open API.
- Credit bureaus & registries2 connectors
- SSRBI
- NNRKI
- Identity & KYC2 connectors
- eeID
- OOnfido
- Bank & alternative data2 connectors
- TTink
- SSalt Edge
- Disbursement rails2 connectors
- SSEPA
- SSEPA Instant
- Repayments & collections2 connectors
- SSEPA Direct Debit
- CCard
- Messaging3 connectors
- WWhatsApp Business
- SSinch
- E-signature2 connectors
- DDocuSign
- YYousign
Checks and payments
Who borrows and how money moves in Slovakia
Applicants are checked with SRBI and NRKI, and money moves via SEPA and SEPA Instant.
Client checks
Checks connected in Slovakia:
- Anti-fraud servicesDevice, behaviour and blacklist checksPass
- Identity verificationeID, OnfidoPass
- Credit bureausSRBI, NRKIPass
- 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 Slovakia:
- SEPA
- SEPA Instant
- 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
5 000 €
On track| Date | Amount | Status |
|---|---|---|
| Sep 4 | 890 € | Paid |
| Oct 4 | 890 € | Paid |
| Nov 4 | 890 € | Due in 7 days |
| Dec 4 | 890 € | Upcoming |
| Jan 4 | 890 € | Upcoming |
Loan flow
How a loan runs in Slovakia. Five steps, all local.
- 01ApplyBorrowers apply on the web, in the app or via email, with forms in Slovak and English.
- 02VerifyIdentity and documents are checked through eID and Onfido.
- 03DecideScorecards pull SRBI and NRKI data and return a decision in seconds.
- 04DisburseFunds go out via SEPA or SEPA Instant in EUR, straight after signing.
- 05CollectRepayments arrive via SEPA Direct Debit and Card, 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 Slovakia launch
on lendhero.
Compliance
Configured for NBS and GDPR and Act 18/2018.
lendhero is software: the licence stays yours. We set the platform up for the rules you operate under in Slovakia.
Hosting & data residency
Cloud or on-premise deployment, with data stored where GDPR and Act 18/2018 requires.
Consent & privacy
Borrower consents are captured, versioned and logged under GDPR and Act 18/2018.
Pricing & disclosures
Rates, fees and cost-of-credit disclosures set per product for NBS rules.
Audit trail
Every decision, edit and message is logged for internal and external audits.
Bulgaria
Croatia
Czechia
Hungary
Poland
Romania
Slovenia
Ukraine
Moldova
GeorgiaQuestions
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 Slovakia?+–
Yes. The platform is set up for EUR, Slovak and English and NBS requirements, with 15 local connectors ready on day one.
Which credit data sources are connected in Slovakia?+–
SRBI, NRKI. On top of that, identity checks run through eID and Onfido and bank data comes from Tink and Salt Edge.
How do borrowers get paid and repay?+–
Payouts go out via SEPA and SEPA Instant in EUR. Repayments arrive via SEPA Direct Debit and Card, with reminders over WhatsApp Business and Sinch.
How long does a launch in Slovakia 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 Slovakia?
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