Lending software for Guatemala

Remittance flows and wide agent networks open Guatemalan credit to borrowers who rarely visit a branch. lendhero arrives with TransUnion Guatemala, RENAP and ACH Guatemala already connected, so your team configures products instead of plumbing.

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

Hola, María

ApprovedQ 8,000

729

Credit score

On-time payments

Monthly paymentQ 787

Market profile

Guatemala at a glance

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

Currency

GTQ (Q)

Languages

Spanish

Supervisor

Superintendencia de Bancos de Guatemala

Credit data

TransUnion Guatemala, Infornet

Payout rails

ACH Guatemala, Tigo Money

Data protection

banking secrecy law

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

Working with borrowers in Guatemala

Tools for every borrower conversation

Borrowers in Guatemala apply, sign, pay and come back for repeat loans in Spanish and GTQ.

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

María · Consumer loan, 6 months · Q 8,000

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

Local stack

The Guatemala stack, connected before kickoff.

lendhero ships with the connectors lenders in Guatemala use every day, from TransUnion Guatemala to Bank agents. New ones are added through the open API.

  • Credit bureaus & registries2 connectors
    • TTransUnion Guatemala
    • IInfornet
  • Identity & KYC2 connectors
    • RRENAP
    • MMetaMap
  • Bank & alternative data1 connector
    • BBank statement parsing
  • Disbursement rails2 connectors
    • AACH Guatemala
    • TTigo Money
  • Repayments & collections3 connectors
    • BBank agents
    • TTigo Money
    • BBank debit
  • Messaging3 connectors
    • WWhatsApp Business
    • IInfobip
  • E-signature2 connectors
    • DDocuSign

Checks and payments

Who borrows and how money moves in Guatemala

Applicants are checked with TransUnion Guatemala and Infornet, and money moves via ACH Guatemala and Tigo Money.

Client checks

Checks connected in Guatemala:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationRENAP, MetaMapPass
  • Credit bureausTransUnion Guatemala, InfornetPass
  • 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 Guatemala:

DisbursementACH Guatemala, Tigo Money in GTQ
RepaymentBank agents, Tigo Money, Bank debit
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • ACH Guatemala
  • Tigo Money
  • Bank agents
  • 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 GTQ 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

Q 8,000

On track
Auto-calculated · 200+ parametersManual edit
Repaid Q 2,850 of Q 8,5602 of 6 payments
DateAmountStatus
Sep 4Q 1,430Paid
Oct 4Q 1,430Paid
Nov 4Q 1,430Due in 7 days
Dec 4Q 1,430Upcoming
Jan 4Q 1,430Upcoming
Reminder sentYour payment of Q 1,430 is due Nov 4

Loan flow

How a loan runs in Guatemala. 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 RENAP and MetaMap.
  3. 03DecideScorecards pull TransUnion Guatemala and Infornet data and return a decision in seconds.
  4. 04DisburseFunds go out via ACH Guatemala or Tigo Money in GTQ, straight after signing.
  5. 05CollectRepayments arrive via Bank agents 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

Q 8,000

Next payment

Q 1,430 · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

MaríaVerifierApproved
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 Guatemala launch on .

MicrocreditGroup and individual loans for rural entrepreneurs.
Remittance-backed loansCredit for families that receive money from abroad.
Consumer installmentsRetail credit for appliances and motorcycles.

Compliance

Configured for SIB and banking secrecy law.

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

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 SIB rules.

Audit trail

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

More markets in Mexico & Central 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 Guatemala?+

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

Which credit data sources are connected in Guatemala?+

TransUnion Guatemala, Infornet. On top of that, identity checks run through RENAP and MetaMap and bank data comes from Bank statement parsing.

How do borrowers get paid and repay?+

Payouts go out via ACH Guatemala and Tigo Money in GTQ. Repayments arrive via Bank agents, Tigo Money and Bank debit, with reminders over WhatsApp Business and Infobip.

How long does a launch in Guatemala 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 Guatemala? 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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