Lending software for Brazil

PIX and Open Finance have moved Brazilian credit online faster than almost anywhere else. lendhero arrives with Serasa Experian, unico and PIX already connected, so your team configures products instead of plumbing.

See the local stack
  • BRL (R$)
  • Portuguese, English
  • 24 local connectors
  • 1–2 weeks to launch

Olá, Ana

ApprovedR$ 5.000

808

Credit score

On-time payments

Monthly paymentR$ 492

Market profile

Brazil at a glance

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

Currency

BRL (R$)

Languages

Portuguese, English

Supervisor

Banco Central do Brasil

Credit data

Serasa Experian, Boa Vista (Equifax), SPC Brasil

Payout rails

PIX, TED, Celcoin

Data protection

LGPD

24
local connectors wired in before kickoff
BRL
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
2
interface languages: Portuguese, English

Working with borrowers in Brazil

Tools for every borrower conversation

Borrowers in Brazil apply, sign, pay and come back for repeat loans in Portuguese and BRL.

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 Zenvia automatically.

Your application is approvedWhatsApp Business
Your payment is due tomorrowZenvia
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 Portuguese.

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

Ana · Consumer loan, 6 months · R$ 5.000

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

Local stack

The Brazil stack, connected before kickoff.

lendhero ships with the connectors lenders in Brazil use every day, from Serasa Experian to PIX Automático. New ones are added through the open API.

  • Credit bureaus & registries5 connectors
    • SSerasa Experian
    • BBoa Vista (Equifax)
    • SSPC Brasil
    • QQuod
    • SSCR (Bacen)
  • Identity & KYC4 connectors
    • uunico
    • iidwall
    • CCAF
    • SSerpro Datavalid
  • Bank & alternative data3 connectors
    • OOpen Finance Brasil
    • BBelvo
    • PPluggy
  • Disbursement rails3 connectors
    • PPIX
    • TTED
    • CCelcoin
  • Repayments & collections3 connectors
    • PPIX Automático
    • BBoleto
    • PPayroll deduction
  • Messaging3 connectors
    • WWhatsApp Business
    • ZZenvia
  • E-signature3 connectors
    • CClicksign
    • DD4Sign
    • DDocuSign

Checks and payments

Who borrows and how money moves in Brazil

Applicants are checked with Serasa Experian and Boa Vista (Equifax), and money moves via PIX and TED.

Client checks

Checks connected in Brazil:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationunico, idwall, CAFPass
  • Credit bureausSerasa Experian, Boa Vista (Equifax), SPC BrasilPass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataOpen Finance Brasil, Belvo, PluggyReview
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in Brazil:

DisbursementPIX, TED, Celcoin in BRL
RepaymentPIX Automático, Boleto, Payroll deduction
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • PIX
  • TED
  • Celcoin
  • PIX Automático
  • Boleto
  • Payroll deduction

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 BRL 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

R$ 5.000

On track
Auto-calculated · 200+ parametersManual edit
Repaid R$ 1.780 of R$ 5.3502 of 6 payments
DateAmountStatus
Sep 4R$ 890Paid
Oct 4R$ 890Paid
Nov 4R$ 890Due in 7 days
Dec 4R$ 890Upcoming
Jan 4R$ 890Upcoming
Reminder sentYour payment of R$ 890 is due Nov 4

Loan flow

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

  1. 01ApplyBorrowers apply on the web, in the app or via WhatsApp, with forms in Portuguese and English.
  2. 02VerifyIdentity and documents are checked through unico and idwall.
  3. 03DecideScorecards pull Serasa Experian and Boa Vista (Equifax) data and return a decision in seconds.
  4. 04DisburseFunds go out via PIX or TED in BRL, straight after signing.
  5. 05CollectRepayments arrive via PIX Automático and Boleto, 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

R$ 5.000

Next payment

R$ 890 · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

AnaVerifierApproved
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 Brazil launch on .

Payroll-deductible loansConsignado-style products with deduction schedules agreed with employers and benefit sources.
Digital consumer creditInstant PIX payouts, with income confirmed through Open Finance data.
SME working capitalReceivables-backed lines for small businesses, scored on cash-flow data.

Compliance

Configured for BCB and LGPD.

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

Hosting & data residency

Cloud or on-premise deployment, with data stored where LGPD requires.

Consent & privacy

Borrower consents are captured, versioned and logged under LGPD.

Pricing & disclosures

Rates, fees and cost-of-credit disclosures set per product for BCB 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 Brazil?+

Yes. The platform is set up for BRL, Portuguese and English and BCB requirements, with 24 local connectors ready on day one.

Which credit data sources are connected in Brazil?+

Serasa Experian, Boa Vista (Equifax), SPC Brasil. On top of that, identity checks run through unico, idwall and CAF and bank data comes from Open Finance Brasil, Belvo and Pluggy.

How do borrowers get paid and repay?+

Payouts go out via PIX, TED and Celcoin in BRL. Repayments arrive via PIX Automático, Boleto and Payroll deduction, with reminders over WhatsApp Business and Zenvia.

How long does a launch in Brazil take?+

Usually 1–2 weeks from kickoff to the first loan, including connecting 24 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 Brazil? 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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