Lending software for Bolivia

Bolivia runs one of the most developed microfinance sectors in the world, and QR payments are now everywhere. lendhero arrives with Infocred BI, SEGIP and ACH Bolivia already connected, so your team configures products instead of plumbing.

See the local stack
  • BOB (Bs)
  • Spanish
  • 14 local connectors
  • 1–2 weeks to launch

Hola, Mariela

ApprovedBs 7.000

799

Credit score

On-time payments

Monthly paymentBs 688

Market profile

Bolivia at a glance

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

Currency

BOB (Bs)

Languages

Spanish

Supervisor

Autoridad de Supervisión del Sistema Financiero

Credit data

Infocred BI, CIC (ASFI)

Payout rails

ACH Bolivia, QR Simple

Data protection

banking secrecy law

14
local connectors wired in before kickoff
BOB
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
1
interface languages: Spanish

Working with borrowers in Bolivia

Tools for every borrower conversation

Borrowers in Bolivia apply, sign, pay and come back for repeat loans in Spanish and BOB.

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 Spanish.

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

Mariela · Consumer loan, 6 months · Bs 7.000

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

Local stack

The Bolivia stack, connected before kickoff.

Infocred BI, SEGIP, ACH Bolivia and WhatsApp Business are wired in before launch. Anything else comes through the open API.

  • Credit bureaus & registries2 connectors
    • IInfocred BI
    • CCIC (ASFI)
  • Identity & KYC2 connectors
    • SSEGIP
    • MMetaMap
  • Bank & alternative data1 connector
    • BBank statement parsing
  • Disbursement rails2 connectors
    • AACH Bolivia
    • QQR Simple
  • Repayments & collections3 connectors
    • QQR Simple
    • TTigo Money
    • BBank debit
  • Messaging3 connectors
    • WWhatsApp Business
    • IInfobip
  • E-signature2 connectors
    • DDocuSign

Checks and payments

Who borrows and how money moves in Bolivia

Applicants are checked with Infocred BI and CIC (ASFI), and money moves via ACH Bolivia and QR Simple.

Client checks

Checks connected in Bolivia:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationSEGIP, MetaMapPass
  • Credit bureausInfocred BI, CIC (ASFI)Pass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataBank statement parsingReview
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in Bolivia:

DisbursementACH Bolivia, QR Simple in BOB
RepaymentQR Simple, Tigo Money, Bank debit
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • ACH Bolivia
  • QR Simple
  • Tigo Money
  • Bank 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 BOB 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

Bs 7.000

On track
Auto-calculated · 200+ parametersManual edit
Repaid Bs 2.500 of Bs 7.4902 of 6 payments
DateAmountStatus
Sep 4Bs 1.250Paid
Oct 4Bs 1.250Paid
Nov 4Bs 1.250Due in 7 days
Dec 4Bs 1.250Upcoming
Jan 4Bs 1.250Upcoming
Reminder sentYour payment of Bs 1.250 is due Nov 4

Loan flow

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

  1. 01ApplyBorrowers apply on the web, in the app or via WhatsApp, with forms in Spanish.
  2. 02VerifyIdentity and documents are checked through SEGIP and MetaMap.
  3. 03DecideScorecards pull Infocred BI and CIC (ASFI) data and return a decision in seconds.
  4. 04DisburseFunds go out via ACH Bolivia or QR Simple in BOB, straight after signing.
  5. 05CollectRepayments arrive via QR Simple and Tigo Money, 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

Bs 7.000

Next payment

Bs 1.250 · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

MarielaVerifierApproved
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 Bolivia launch on .

MicrocreditIndividual and solidarity-group loans for a mature microfinance sector.
Productive creditAgricultural and small-producer loans with seasonal schedules.
Housing improvementSmall home-improvement loans with flexible terms.

Compliance

Configured for ASFI and banking secrecy law.

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

Hosting & data residency

Cloud or on-premise deployment, with data stored where banking secrecy law requires.

Consent & privacy

Borrower consents are captured, versioned and logged under banking secrecy law.

Pricing & disclosures

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

Audit trail

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

More markets in South America

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 Bolivia?+

Yes. The platform is set up for BOB, Spanish and ASFI requirements, with 14 local connectors ready on day one.

Which credit data sources are connected in Bolivia?+

Infocred BI, CIC (ASFI). On top of that, identity checks run through SEGIP and MetaMap and bank data comes from Bank statement parsing.

How do borrowers get paid and repay?+

Payouts go out via ACH Bolivia and QR Simple in BOB. Repayments arrive via QR Simple, Tigo Money and Bank debit, with reminders over WhatsApp Business and Infobip.

How long does a launch in Bolivia 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 Bolivia? 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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