Lending software for Colombia

Instant payments and wallets such as Nequi have made small-ticket digital credit mainstream in Colombia. lendhero arrives with DataCrédito Experian, Truora and Bre-B already connected, so your team configures products instead of plumbing.

See the local stack
  • COP ($)
  • Spanish, English
  • 21 local connectors
  • 1–2 weeks to launch

Hola, Camila

ApprovedCOP 3.000.000

806

Credit score

On-time payments

Monthly paymentCOP 295.000

Market profile

Colombia at a glance

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

Currency

COP ($)

Languages

Spanish, English

Supervisor

Superintendencia Financiera de Colombia

Credit data

DataCrédito Experian, TransUnion Colombia, Procrédito

Payout rails

Bre-B, PSE, Nequi

Data protection

Ley 1581

21
local connectors wired in before kickoff
COP
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
2
interface languages: Spanish, English

Working with borrowers in Colombia

Tools for every borrower conversation

Borrowers in Colombia apply, sign, pay and come back for repeat loans in Spanish and COP.

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

Camila · Consumer loan, 6 months · COP 3.000.000

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

Local stack

The Colombia stack, connected before kickoff.

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

  • Credit bureaus & registries3 connectors
    • DDataCrédito Experian
    • TTransUnion Colombia
    • PProcrédito
  • Identity & KYC4 connectors
    • TTruora
    • RRegistraduría (ANI)
    • MMetaMap
    • AAdoTech
  • Bank & alternative data3 connectors
    • BBelvo
    • PPrometeo
    • OOpen Finance Colombia
  • Disbursement rails4 connectors
    • BBre-B
    • PPSE
    • NNequi
    • DDaviplata
  • Repayments & collections3 connectors
    • PPSE
    • EEfecty
    • BBank collection accounts
  • Messaging3 connectors
    • WWhatsApp Business
    • IInfobip
  • E-signature2 connectors
    • CCerticámara
    • DDocuSign

Checks and payments

Who borrows and how money moves in Colombia

Applicants are checked with DataCrédito Experian and TransUnion Colombia, and money moves via Bre-B and PSE.

Client checks

Checks connected in Colombia:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationTruora, Registraduría (ANI), MetaMapPass
  • Credit bureausDataCrédito Experian, TransUnion Colombia, ProcréditoPass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataBelvo, Prometeo, Open Finance ColombiaReview
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in Colombia:

DisbursementBre-B, PSE, Nequi in COP
RepaymentPSE, Efecty, Bank collection accounts
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • Bre-B
  • PSE
  • Nequi
  • Efecty
  • Bank collection accounts

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 COP 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

COP 3.000.000

On track
Auto-calculated · 200+ parametersManual edit
Repaid COP 1.070.000 of COP 3.210.0002 of 6 payments
DateAmountStatus
Sep 4COP 535.000Paid
Oct 4COP 535.000Paid
Nov 4COP 535.000Due in 7 days
Dec 4COP 535.000Upcoming
Jan 4COP 535.000Upcoming
Reminder sentYour payment of COP 535.000 is due Nov 4

Loan flow

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

  1. 01ApplyBorrowers apply on the web, in the app or via WhatsApp, with forms in Spanish and English.
  2. 02VerifyIdentity and documents are checked through Truora and Registraduría (ANI).
  3. 03DecideScorecards pull DataCrédito Experian and TransUnion Colombia data and return a decision in seconds.
  4. 04DisburseFunds go out via Bre-B or PSE in COP, straight after signing.
  5. 05CollectRepayments arrive via PSE and Efecty, 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

COP 3.000.000

Next payment

COP 535.000 · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

CamilaVerifierApproved
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 Colombia launch on .

Payroll loans (libranza)Deduction agreements with employers and pension funds built into the schedule.
Nano and micro loansSmall-ticket credit paid out to Nequi and Daviplata wallets in minutes.
Merchant financingWorking capital for shops, repaid from daily sales.

Compliance

Configured for SFC and Ley 1581.

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

Hosting & data residency

Cloud or on-premise deployment, with data stored where Ley 1581 requires.

Consent & privacy

Borrower consents are captured, versioned and logged under Ley 1581.

Pricing & disclosures

Rates, fees and cost-of-credit disclosures set per product for SFC 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 Colombia?+

Yes. The platform is set up for COP, Spanish and English and SFC requirements, with 21 local connectors ready on day one.

Which credit data sources are connected in Colombia?+

DataCrédito Experian, TransUnion Colombia, Procrédito. On top of that, identity checks run through Truora, Registraduría (ANI) and MetaMap and bank data comes from Belvo, Prometeo and Open Finance Colombia.

How do borrowers get paid and repay?+

Payouts go out via Bre-B, PSE and Nequi in COP. Repayments arrive via PSE, Efecty and Bank collection accounts, with reminders over WhatsApp Business and Infobip.

How long does a launch in Colombia take?+

Usually 1–2 weeks from kickoff to the first loan, including connecting 21 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 Colombia? 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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