Lending software for Antigua and Barbuda

A tourism economy where credit unions and finance companies serve most consumer borrowers. lendhero arrives with ECCB credit bureau, Smile ID and ACH already connected, so your team configures products instead of plumbing.

See the local stack
  • XCD (EC$)
  • English
  • 15 local connectors
  • 1–2 weeks to launch

Hi, Kerry

ApprovedEC$4,000

768

Credit score

On-time payments

Monthly paymentEC$262

Market profile

Antigua and Barbuda at a glance

What lendhero is set up for in Antigua and Barbuda before your team logs in.

Currency

XCD (EC$)

Languages

English

Supervisor

FSRC and ECCB

Credit data

ECCB credit bureau, Lender data

Payout rails

ACH, ECCB DCash

Data protection

Data Protection Act 2013

15
local connectors wired in before kickoff
XCD
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
1
interface languages: English

Working with borrowers in Antigua and Barbuda

Tools for every borrower conversation

Borrowers in Antigua and Barbuda apply, sign, pay and come back for repeat loans in English and XCD.

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 Infobip automatically.

Your application is approvedWhatsApp 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 English.

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

Kerry · Consumer loan, 6 months · EC$4,000

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

Local stack

The Antigua and Barbuda stack, connected before kickoff.

lendhero ships with the connectors lenders in Antigua and Barbuda use every day, from ECCB credit bureau to Standing order. New ones are added through the open API.

  • Credit bureaus & registries2 connectors
    • EECCB credit bureau
    • LLender data
  • Identity & KYC2 connectors
    • SSmile ID
    • OOnfido
  • Bank & alternative data2 connectors
    • BBank statements
    • PPayroll data
  • Disbursement rails2 connectors
    • AACH
    • EECCB DCash
  • Repayments & collections2 connectors
    • SStanding order
    • DDebit card
  • Messaging3 connectors
    • WWhatsApp Business
    • IInfobip
  • E-signature2 connectors
    • DDocuSign

Checks and payments

Who borrows and how money moves in Antigua and Barbuda

Applicants are checked with ECCB credit bureau and Lender data, and money moves via ACH and ECCB DCash.

Client checks

Checks connected in Antigua and Barbuda:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationSmile ID, OnfidoPass
  • Credit bureausECCB credit bureau, Lender dataPass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataBank statements, Payroll dataReview
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in Antigua and Barbuda:

DisbursementACH, ECCB DCash in XCD
RepaymentStanding order, Debit card
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • ACH
  • ECCB DCash
  • Standing order
  • 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 XCD 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

EC$4,000

On track
Auto-calculated · 200+ parametersManual edit
Repaid EC$1,430 of EC$4,2802 of 6 payments
DateAmountStatus
Sep 4EC$710Paid
Oct 4EC$710Paid
Nov 4EC$710Due in 7 days
Dec 4EC$710Upcoming
Jan 4EC$710Upcoming
Reminder sentYour payment of EC$710 is due Nov 4

Loan flow

How a loan runs in Antigua and Barbuda. Five steps, all local.

  1. 01ApplyBorrowers apply on the web, in the app or via WhatsApp, with forms in English.
  2. 02VerifyIdentity and documents are checked through Smile ID and Onfido.
  3. 03DecideScorecards pull ECCB credit bureau and Lender data data and return a decision in seconds.
  4. 04DisburseFunds go out via ACH or ECCB DCash in XCD, straight after signing.
  5. 05CollectRepayments arrive via Standing order and Debit card, 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

EC$4,000

Next payment

EC$710 · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

KerryVerifierApproved
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 Antigua and Barbuda launch on .

Consumer instalment loansSalary-linked loans for hospitality and public-sector workers.
Business lendingSeasonal working capital for tourism businesses.
MicrofinanceSmall loans for vendors and fishers, collected weekly.

Compliance

Configured for FSRC and Data Protection Act 2013.

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

Hosting & data residency

Cloud or on-premise deployment, with data stored where Data Protection Act 2013 requires.

Consent & privacy

Borrower consents are captured, versioned and logged under Data Protection Act 2013.

Pricing & disclosures

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

Audit trail

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

More markets in Caribbean

All Latin America 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 Antigua and Barbuda?+

Yes. The platform is set up for XCD, English and FSRC requirements, with 15 local connectors ready on day one.

Which credit data sources are connected in Antigua and Barbuda?+

ECCB credit bureau, Lender data. On top of that, identity checks run through Smile ID and Onfido and bank data comes from Bank statements and Payroll data.

How do borrowers get paid and repay?+

Payouts go out via ACH and ECCB DCash in XCD. Repayments arrive via Standing order and Debit card, with reminders over WhatsApp Business and Infobip.

How long does a launch in Antigua and Barbuda 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 Antigua and Barbuda? 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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