Lending software for Haiti

MonCash and remittances are the backbone of household finance in Haiti, and microlenders build on both. lendhero arrives with Credit registry (BRH), CIN (ONI) and MonCash already connected, so your team configures products instead of plumbing.

See the local stack
  • HTG (G)
  • French, Haitian Creole
  • 12 local connectors
  • 1–2 weeks to launch

Bonjou, Rose

Approved40,000 HTG

736

Credit score

On-time payments

Monthly payment3,930 HTG

Market profile

Haiti at a glance

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

Currency

HTG (G)

Languages

French, Haitian Creole

Supervisor

Banque de la République d'Haïti

Credit data

Credit registry (BRH)

Payout rails

MonCash, Bank transfers

Data protection

banking secrecy law

12
local connectors wired in before kickoff
HTG
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
2
interface languages: French, Haitian Creole

Working with borrowers in Haiti

Tools for every borrower conversation

Borrowers in Haiti apply, sign, pay and come back for repeat loans in French and HTG.

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 French.

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

Rose · Consumer loan, 6 months · 40,000 HTG

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

Local stack

The Haiti stack, connected before kickoff.

Credit registry (BRH), CIN (ONI), MonCash and WhatsApp Business are wired in before launch. Anything else comes through the open API.

  • Credit bureaus & registries1 connector
    • CCredit registry (BRH)
  • Identity & KYC2 connectors
    • CCIN (ONI)
    • SSumsub
  • Bank & alternative data1 connector
    • BBank statement parsing
  • Disbursement rails2 connectors
    • MMonCash
    • BBank transfers
  • Repayments & collections2 connectors
    • MMonCash
    • CCash agents
  • Messaging3 connectors
    • WWhatsApp Business
    • IInfobip
  • E-signature2 connectors
    • DDocuSign

Checks and payments

Who borrows and how money moves in Haiti

Applicants are checked with Credit registry (BRH), and money moves via MonCash and Bank transfers.

Client checks

Checks connected in Haiti:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationCIN (ONI), SumsubPass
  • Credit bureausCredit registry (BRH)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 Haiti:

DisbursementMonCash, Bank transfers in HTG
RepaymentMonCash, Cash agents
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • MonCash
  • Bank transfers
  • Cash agents

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 HTG 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

40,000 HTG

On track
Auto-calculated · 200+ parametersManual edit
Repaid 14,270 HTG of 42,800 HTG2 of 6 payments
DateAmountStatus
Sep 47,130 HTGPaid
Oct 47,130 HTGPaid
Nov 47,130 HTGDue in 7 days
Dec 47,130 HTGUpcoming
Jan 47,130 HTGUpcoming
Reminder sentYour payment of 7,130 HTG is due Nov 4

Loan flow

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

  1. 01ApplyBorrowers apply on the web, in the app or via WhatsApp, with forms in French and Haitian Creole.
  2. 02VerifyIdentity and documents are checked through CIN (ONI) and Sumsub.
  3. 03DecideScorecards pull Credit registry (BRH) data and return a decision in seconds.
  4. 04DisburseFunds go out via MonCash or Bank transfers in HTG, straight after signing.
  5. 05CollectRepayments arrive via MonCash and Cash agents, 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

40,000 HTG

Next payment

7,130 HTG · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

RoseVerifierApproved
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 Haiti launch on .

MicrocreditSmall loans for market vendors and family businesses.
Remittance-backed loansCredit sized on money received from abroad.
Agri loansSeasonal schedules for farmers and cooperatives.

Compliance

Configured for BRH and banking secrecy law.

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

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 BRH 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 Haiti?+

Yes. The platform is set up for HTG, French and Haitian Creole and BRH requirements, with 12 local connectors ready on day one.

Which credit data sources are connected in Haiti?+

Credit registry (BRH). On top of that, identity checks run through CIN (ONI) and Sumsub and bank data comes from Bank statement parsing.

How do borrowers get paid and repay?+

Payouts go out via MonCash and Bank transfers in HTG. Repayments arrive via MonCash and Cash agents, with reminders over WhatsApp Business and Infobip.

How long does a launch in Haiti take?+

Usually 1–2 weeks from kickoff to the first loan, including connecting 12 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 Haiti? 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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