Lending software for Israel

A tech-led market where non-bank lenders use the national credit-data system and open banking. lendhero arrives with BDI, Onfido and Zahav already connected, so your team configures products instead of plumbing.

See the local stack
  • ILS (ILS)
  • Hebrew, English
  • 16 local connectors
  • 1–2 weeks to launch

Hi, Noa

Approved20,000 ILS

719

Credit score

On-time payments

Monthly payment656 ILS

Market profile

Israel at a glance

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

Currency

ILS (ILS)

Languages

Hebrew, English

Supervisor

Bank of Israel and the CMISA

Credit data

BDI, Credit Data Sharing System

Payout rails

Zahav, Masav, Bit

Data protection

the Privacy Protection Law

16
local connectors wired in before kickoff
ILS
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
2
interface languages: Hebrew, English

Working with borrowers in Israel

Tools for every borrower conversation

Borrowers in Israel apply, sign, pay and come back for repeat loans in Hebrew and ILS.

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 Hebrew.

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

Noa · Consumer loan, 6 months · 20,000 ILS

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

Local stack

The Israel stack, connected before kickoff.

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

  • Credit bureaus & registries2 connectors
    • BBDI
    • CCredit Data Sharing System
  • Identity & KYC2 connectors
    • OOnfido
    • GGov ID
  • Bank & alternative data2 connectors
    • OOpen banking
    • BBank statements
  • Disbursement rails3 connectors
    • ZZahav
    • MMasav
    • BBit
  • Repayments & collections2 connectors
    • MMasav direct debit
    • CCard
  • Messaging3 connectors
    • WWhatsApp Business
    • IInfobip
  • E-signature2 connectors
    • DDocuSign
    • CComsign

Checks and payments

Who borrows and how money moves in Israel

Applicants are checked with BDI and Credit Data Sharing System, and money moves via Zahav and Masav.

Client checks

Checks connected in Israel:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationOnfido, Gov IDPass
  • Credit bureausBDI, Credit Data Sharing SystemPass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataOpen banking, Bank statementsReview
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in Israel:

DisbursementZahav, Masav, Bit in ILS
RepaymentMasav direct debit, Card
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • Zahav
  • Masav
  • Bit
  • Masav direct debit
  • Card

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 ILS 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

20,000 ILS

On track
Auto-calculated · 200+ parametersManual edit
Repaid 7,130 ILS of 21,400 ILS2 of 6 payments
DateAmountStatus
Sep 43,570 ILSPaid
Oct 43,570 ILSPaid
Nov 43,570 ILSDue in 7 days
Dec 43,570 ILSUpcoming
Jan 43,570 ILSUpcoming
Reminder sentYour payment of 3,570 ILS is due Nov 4

Loan flow

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

  1. 01ApplyBorrowers apply on the web, in the app or via WhatsApp, with forms in Hebrew and English.
  2. 02VerifyIdentity and documents are checked through Onfido and Gov ID.
  3. 03DecideScorecards pull BDI and Credit Data Sharing System data and return a decision in seconds.
  4. 04DisburseFunds go out via Zahav or Masav in ILS, straight after signing.
  5. 05CollectRepayments arrive via Masav direct debit and Card, 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

20,000 ILS

Next payment

3,570 ILS · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

NoaVerifierApproved
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 Israel launch on .

Consumer instalment loansPersonal loans with credit-data checks.
Business lendingSME loans on open-banking data.
P2P lendingMarketplace lending platforms.

Compliance

Configured for Bank of Israel and CMISA and the Privacy Protection Law.

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

Hosting & data residency

Cloud or on-premise deployment, with data stored where the Privacy Protection Law requires.

Consent & privacy

Borrower consents are captured, versioned and logged under the Privacy Protection Law.

Pricing & disclosures

Rates, fees and cost-of-credit disclosures set per product for Bank of Israel and CMISA rules.

Audit trail

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

More markets in Levant

All Middle East 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 Israel?+

Yes. The platform is set up for ILS, Hebrew and English and Bank of Israel and CMISA requirements, with 16 local connectors ready on day one.

Which credit data sources are connected in Israel?+

BDI, Credit Data Sharing System. On top of that, identity checks run through Onfido and Gov ID and bank data comes from Open banking and Bank statements.

How do borrowers get paid and repay?+

Payouts go out via Zahav, Masav and Bit in ILS. Repayments arrive via Masav direct debit and Card, with reminders over WhatsApp Business and Infobip.

How long does a launch in Israel take?+

Usually 1–2 weeks from kickoff to the first loan, including connecting 16 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 Israel? 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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