Lending software for the Solomon Islands

A market where mobile money and payroll lending bring credit to remote provinces. lendhero arrives with Credit bureau of CBSI, Lender data and Bank transfer already connected, so your team configures products instead of plumbing.

See the local stack
  • SBD (SI$)
  • English
  • 12 local connectors
  • 1–2 weeks to launch

Hi, Mary

ApprovedSI$5,000

759

Credit score

On-time payments

Monthly paymentSI$328

Market profile

Solomon Islands at a glance

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

Currency

SBD (SI$)

Languages

English

Supervisor

Central Bank of the Solomon Islands

Credit data

Credit bureau of CBSI

Payout rails

Bank transfer, Mobile money

Data protection

national data rules

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

Working with borrowers in Solomon Islands

Tools for every borrower conversation

Borrowers in Solomon Islands apply, sign, pay and come back for repeat loans in English and SBD.

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 Messenger and WhatsApp Business automatically.

Your application is approvedMessenger
Your payment is due tomorrowWhatsApp Business
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

Mary · Consumer loan, 6 months · SI$5,000

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

Local stack

The Solomon Islands stack, connected before kickoff.

Credit bureau of CBSI, Lender data, Bank transfer and Messenger are wired in before launch. Anything else comes through the open API.

  • Credit bureaus & registries1 connector
    • CCredit bureau of CBSI
  • Identity & KYC2 connectors
    • LLender data
    • OOnfido
  • Bank & alternative data1 connector
    • BBank statements
  • Disbursement rails2 connectors
    • BBank transfer
    • MMobile money
  • Repayments & collections2 connectors
    • PPayroll deduction
    • MMobile money
  • Messaging3 connectors
    • MMessenger
    • WWhatsApp Business
  • E-signature2 connectors
    • DDocuSign

Checks and payments

Who borrows and how money moves in Solomon Islands

Applicants are checked with Credit bureau of CBSI, and money moves via Bank transfer and Mobile money.

Client checks

Checks connected in Solomon Islands:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationLender data, OnfidoPass
  • Credit bureausCredit bureau of CBSIPass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataBank statementsReview
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in Solomon Islands:

DisbursementBank transfer, Mobile money in SBD
RepaymentPayroll deduction, Mobile money
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • Bank transfer
  • Mobile money
  • Payroll deduction

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 SBD 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

SI$5,000

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

Loan flow

How a loan runs in the Solomon Islands. Five steps, all local.

  1. 01ApplyBorrowers apply on the web, in the app or via Messenger, with forms in English.
  2. 02VerifyIdentity and documents are checked through Lender data and Onfido.
  3. 03DecideScorecards pull Credit bureau of CBSI data and return a decision in seconds.
  4. 04DisburseFunds go out via Bank transfer or Mobile money in SBD, straight after signing.
  5. 05CollectRepayments arrive via Payroll deduction and Mobile money, with reminders over Messenger.

Portals

One platform, three portals

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

My loan

SI$5,000

Next payment

SI$890 · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

MaryVerifierApproved
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 Solomon Islands launch on .

MicrofinanceLoans for rural traders.
Consumer instalment loansPayroll loans.
Business lendingLoans for small enterprises.

Compliance

Configured for CBSI and national data rules.

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

Hosting & data residency

Cloud or on-premise deployment, with data stored where national data rules requires.

Consent & privacy

Borrower consents are captured, versioned and logged under national data rules.

Pricing & disclosures

Rates, fees and cost-of-credit disclosures set per product for CBSI rules.

Audit trail

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

More markets in Pacific Islands

All Oceania 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 Solomon Islands?+

Yes. The platform is set up for SBD, English and CBSI requirements, with 12 local connectors ready on day one.

Which credit data sources are connected in the Solomon Islands?+

Credit bureau of CBSI. On top of that, identity checks run through Lender data and Onfido and bank data comes from Bank statements.

How do borrowers get paid and repay?+

Payouts go out via Bank transfer and Mobile money in SBD. Repayments arrive via Payroll deduction and Mobile money, with reminders over Messenger and WhatsApp Business.

How long does a launch in the Solomon Islands 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 Solomon Islands? 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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