Lending software for the United States

The largest consumer and small-business credit market in the world, run on bureau data, open banking and state-by-state licensing. lendhero arrives with Experian, Plaid IDV and ACH already connected, so your team configures products instead of plumbing.

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

Hi, Maria

Approved$1,200

704

Credit score

On-time payments

Monthly payment$118

Market profile

United States at a glance

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

Currency

USD ($)

Languages

English, Spanish

Supervisor

CFPB and state regulators

Credit data

Experian, Equifax, TransUnion

Payout rails

ACH, RTP, FedNow

Data protection

GLBA and state privacy laws

23
local connectors wired in before kickoff
USD
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
2
interface languages: English, Spanish

Working with borrowers in United States

Tools for every borrower conversation

Borrowers in United States apply, sign, pay and come back for repeat loans in English 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 SMS automatically.

Your application is approvedWhatsApp Business
Your payment is due tomorrowSMS
New receipt in your portalEmail

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

Maria · Consumer loan, 6 months · $1,200

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

Local stack

The United States stack, connected before kickoff.

lendhero ships with the connectors lenders in the United States use every day, from Experian to ACH debit. New ones are added through the open API.

  • Credit bureaus & registries4 connectors
    • EExperian
    • EEquifax
    • TTransUnion
    • CClarity Services
  • Identity & KYC4 connectors
    • PPlaid IDV
    • SSocure
    • AAlloy
    • LLexisNexis
  • Bank & alternative data3 connectors
    • PPlaid
    • FFinicity
  • Disbursement rails4 connectors
    • AACH
    • RRTP
    • FFedNow
    • PPush-to-card
  • Repayments & collections3 connectors
    • AACH debit
    • DDebit card
    • SStripe
  • Messaging3 connectors
    • WWhatsApp Business
  • E-signature2 connectors
    • DDocuSign
    • DDropbox Sign

Checks and payments

Who borrows and how money moves in United States

Applicants are checked with Experian and Equifax, and money moves via ACH and RTP.

Client checks

Checks connected in United States:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationPlaid IDV, Socure, AlloyPass
  • Credit bureausExperian, Equifax, TransUnionPass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataPlaid, FinicityReview
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in United States:

DisbursementACH, RTP, FedNow in USD
RepaymentACH debit, Debit card, Stripe
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • ACH
  • RTP
  • FedNow
  • ACH debit
  • Debit card
  • Stripe

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

$1,200

On track
Auto-calculated · 200+ parametersManual edit
Repaid $430 of $1,2802 of 6 payments
DateAmountStatus
Sep 4$210Paid
Oct 4$210Paid
Nov 4$210Due in 7 days
Dec 4$210Upcoming
Jan 4$210Upcoming
Reminder sentYour payment of $210 is due Nov 4

Loan flow

How a loan runs in the United States. Five steps, all local.

  1. 01ApplyBorrowers apply on the web, in the app or via SMS, with forms in English and Spanish.
  2. 02VerifyIdentity and documents are checked through Plaid IDV and Socure.
  3. 03DecideScorecards pull Experian and Equifax data and return a decision in seconds.
  4. 04DisburseFunds go out via ACH or RTP in USD, straight after signing.
  5. 05CollectRepayments arrive via ACH debit and Debit card, with reminders over Twilio.

Portals

One platform, three portals

Everyone works in the same system and sees only what their role allows.

My loan

$1,200

Next payment

$210 · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

MariaVerifierApproved
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 the United States launch on .

Consumer instalment loansUnsecured personal loans from $1,000 to $50,000 with bureau and cash-flow underwriting.
Business lendingWorking capital and term loans for US small businesses, with bank-data decisioning.
BNPL & POSPoint-of-sale financing for merchants, approved at checkout in seconds.

Compliance

Configured for CFPB and state lending and GLBA and state privacy laws.

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

Hosting & data residency

Cloud or on-premise deployment, with data stored where GLBA and state privacy laws requires.

Consent & privacy

Borrower consents are captured, versioned and logged under GLBA and state privacy laws.

Pricing & disclosures

Rates, fees and cost-of-credit disclosures set per product for CFPB and state lending rules.

Audit trail

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

More markets in North America

All North 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 the United States?+

Yes. The platform is set up for USD, English and Spanish and CFPB and state lending requirements, with 23 local connectors ready on day one.

Which credit data sources are connected in the United States?+

Experian, Equifax, TransUnion. On top of that, identity checks run through Plaid IDV, Socure and Alloy and bank data comes from Plaid and Finicity.

How do borrowers get paid and repay?+

Payouts go out via ACH, RTP and FedNow in USD. Repayments arrive via ACH debit, Debit card and Stripe, with reminders over WhatsApp Business.

How long does a launch in the United States take?+

Usually 1–2 weeks from kickoff to the first loan, including connecting 23 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 United States? 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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