Lending software for Panama

A dollar economy, a regional banking hub and Yappy payments make Panama a natural base for Central American lending. lendhero arrives with APC Buró, Tribunal Electoral ID and ACH Directo already connected, so your team configures products instead of plumbing.

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

Hola, Paola

Approved$5,000

735

Credit score

On-time payments

Monthly payment$492

Market profile

Panama at a glance

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

Currency

USD ($)

Languages

Spanish, English

Supervisor

Superintendencia de Bancos de Panamá

Credit data

APC Buró

Payout rails

ACH Directo, Yappy

Data protection

Ley 81

13
local connectors wired in before kickoff
USD
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
2
interface languages: Spanish, English

Working with borrowers in Panama

Tools for every borrower conversation

Borrowers in Panama apply, sign, pay and come back for repeat loans in Spanish and USD.

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

Paola · Consumer loan, 6 months · $5,000

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

Local stack

The Panama stack, connected before kickoff.

lendhero ships with the connectors lenders in Panama use every day, from APC Buró to Yappy. New ones are added through the open API.

  • Credit bureaus & registries1 connector
    • AAPC Buró
  • Identity & KYC2 connectors
    • TTribunal Electoral ID
    • MMetaMap
  • Bank & alternative data1 connector
    • BBank statement parsing
  • Disbursement rails2 connectors
    • AACH Directo
    • YYappy
  • Repayments & collections3 connectors
    • YYappy
    • PPunto Pago
    • BBank debit
  • Messaging3 connectors
    • WWhatsApp Business
    • IInfobip
  • E-signature2 connectors
    • DDocuSign

Checks and payments

Who borrows and how money moves in Panama

Applicants are checked with APC Buró, and money moves via ACH Directo and Yappy.

Client checks

Checks connected in Panama:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationTribunal Electoral ID, MetaMapPass
  • Credit bureausAPC BuróPass
  • 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 Panama:

DisbursementACH Directo, Yappy in USD
RepaymentYappy, Punto Pago, Bank debit
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • ACH Directo
  • Yappy
  • Punto Pago
  • 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 USD 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

$5,000

On track
Auto-calculated · 200+ parametersManual edit
Repaid $1,780 of $5,3502 of 6 payments
DateAmountStatus
Sep 4$890Paid
Oct 4$890Paid
Nov 4$890Due in 7 days
Dec 4$890Upcoming
Jan 4$890Upcoming
Reminder sentYour payment of $890 is due Nov 4

Loan flow

How a loan runs in Panama. 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 Tribunal Electoral ID and MetaMap.
  3. 03DecideScorecards pull APC Buró data and return a decision in seconds.
  4. 04DisburseFunds go out via ACH Directo or Yappy in USD, straight after signing.
  5. 05CollectRepayments arrive via Yappy and Punto Pago, 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

$5,000

Next payment

$890 · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

PaolaVerifierApproved
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 Panama launch on .

Payroll loansPublic-sector and corporate payroll deduction lending.
Consumer creditUSD personal loans with Yappy payouts.
SME creditTrade and working capital for small businesses.

Compliance

Configured for SBP and Ley 81.

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

Hosting & data residency

Cloud or on-premise deployment, with data stored where Ley 81 requires.

Consent & privacy

Borrower consents are captured, versioned and logged under Ley 81.

Pricing & disclosures

Rates, fees and cost-of-credit disclosures set per product for SBP 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 Panama?+

Yes. The platform is set up for USD, Spanish and English and SBP requirements, with 13 local connectors ready on day one.

Which credit data sources are connected in Panama?+

APC Buró. On top of that, identity checks run through Tribunal Electoral ID and MetaMap and bank data comes from Bank statement parsing.

How do borrowers get paid and repay?+

Payouts go out via ACH Directo and Yappy in USD. Repayments arrive via Yappy, Punto Pago and Bank debit, with reminders over WhatsApp Business and Infobip.

How long does a launch in Panama take?+

Usually 1–2 weeks from kickoff to the first loan, including connecting 13 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 Panama? 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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