Lending software for Jamaica

Jamaican microcredit lenders now operate under Bank of Jamaica licensing and need auditable, well-documented lending. lendhero arrives with CreditInfo Jamaica, TRN validation and JamClear ACH already connected, so your team configures products instead of plumbing.

See the local stack
  • JMD (J$)
  • English
  • 14 local connectors
  • 1–2 weeks to launch

Hi, Shanice

ApprovedJ$ 250,000

729

Credit score

On-time payments

Monthly paymentJ$ 24,600

Market profile

Jamaica at a glance

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

Currency

JMD (J$)

Languages

English

Supervisor

Bank of Jamaica

Credit data

CreditInfo Jamaica, CRIF NM Credit

Payout rails

JamClear ACH, Lynk

Data protection

the Data Protection Act

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

Working with borrowers in Jamaica

Tools for every borrower conversation

Borrowers in Jamaica apply, sign, pay and come back for repeat loans in English and JMD.

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 English.

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

Shanice · Consumer loan, 6 months · J$ 250,000

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

Local stack

The Jamaica stack, connected before kickoff.

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

  • Credit bureaus & registries2 connectors
    • CCreditInfo Jamaica
    • CCRIF NM Credit
  • Identity & KYC2 connectors
    • TTRN validation
    • SSumsub
  • Bank & alternative data1 connector
    • BBank statement parsing
  • Disbursement rails2 connectors
    • JJamClear ACH
    • LLynk
  • Repayments & collections3 connectors
    • LLynk
    • BBill Express
    • BBank debit
  • Messaging3 connectors
    • WWhatsApp Business
    • IInfobip
  • E-signature2 connectors
    • DDocuSign

Checks and payments

Who borrows and how money moves in Jamaica

Applicants are checked with CreditInfo Jamaica and CRIF NM Credit, and money moves via JamClear ACH and Lynk.

Client checks

Checks connected in Jamaica:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationTRN validation, SumsubPass
  • Credit bureausCreditInfo Jamaica, CRIF NM CreditPass
  • 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 Jamaica:

DisbursementJamClear ACH, Lynk in JMD
RepaymentLynk, Bill Express, Bank debit
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • JamClear ACH
  • Lynk
  • Bill Express
  • 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 JMD 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

J$ 250,000

On track
Auto-calculated · 200+ parametersManual edit
Repaid J$ 89,170 of J$ 267,5002 of 6 payments
DateAmountStatus
Sep 4J$ 44,580Paid
Oct 4J$ 44,580Paid
Nov 4J$ 44,580Due in 7 days
Dec 4J$ 44,580Upcoming
Jan 4J$ 44,580Upcoming
Reminder sentYour payment of J$ 44,580 is due Nov 4

Loan flow

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

  1. 01ApplyBorrowers apply on the web, in the app or via WhatsApp, with forms in English.
  2. 02VerifyIdentity and documents are checked through TRN validation and Sumsub.
  3. 03DecideScorecards pull CreditInfo Jamaica and CRIF NM Credit data and return a decision in seconds.
  4. 04DisburseFunds go out via JamClear ACH or Lynk in JMD, straight after signing.
  5. 05CollectRepayments arrive via Lynk and Bill Express, 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

J$ 250,000

Next payment

J$ 44,580 · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

ShaniceVerifierApproved
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 Jamaica launch on .

MicrocreditMSME loans for licensed microcredit lenders.
Payroll loansSalary-deduction credit for employees.
Auto loansVehicle financing with dealer origination.

Compliance

Configured for BOJ and the Data Protection Act.

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

Hosting & data residency

Cloud or on-premise deployment, with data stored where the Data Protection Act requires.

Consent & privacy

Borrower consents are captured, versioned and logged under the Data Protection Act.

Pricing & disclosures

Rates, fees and cost-of-credit disclosures set per product for BOJ 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 Jamaica?+

Yes. The platform is set up for JMD, English and BOJ requirements, with 14 local connectors ready on day one.

Which credit data sources are connected in Jamaica?+

CreditInfo Jamaica, CRIF NM Credit. On top of that, identity checks run through TRN validation and Sumsub and bank data comes from Bank statement parsing.

How do borrowers get paid and repay?+

Payouts go out via JamClear ACH and Lynk in JMD. Repayments arrive via Lynk, Bill Express and Bank debit, with reminders over WhatsApp Business and Infobip.

How long does a launch in Jamaica 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 Jamaica? 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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