EN · United StatesLending software
built for banks
Origination, decisioning, servicing and collections for retail and SME loans, connected to your core banking system.
Connects to 1,700+ services out of the box
How it works
From application
to core banking
Four steps, one system. Branches, risk and operations see the same customer.
- 01ApplyOnline, in the mobile bank or at a branch.
- 02VerifyKYC, bureaus and internal bank data checked in one pass.
- 03DecideScorecards and policy rules decide or route to an underwriter.
- 04Book & serviceLoans post to the core; schedules, accruals and collections run on their own.
Working with retail and SME clients
Tools for
retail and business clients
Branches, call centres and digital channels share one client record and one set of rules.
Applications in every channel
Clients apply online, by phone or in a branch, and can continue where they stopped.
Client notifications
Decisions, due dates and account events by SMS, email, push and in online banking.
Loyalty and offers
Bonus points, promo codes and pre-approved offers for existing clients.
Online banking integration
Clients see loans next to accounts, repay early or refinance online.
Bank documents generated
Credit agreements, schedules and notices are created and signed at every stage.
Decisioning
Underwriting your
risk team can trust
Policy rules, scorecards and AI models in one flow, with a full audit trail for every approval and decline.
- Policies without codeChange rules and limits without a release.
- Audit trailEvery decision is logged for regulators and internal audit.
Checks and payments
Client checks and core banking payments
Clients are checked against bureaus and your own data, and money moves through your core banking system.
Client checks
External and internal checks in one pass:
- Anti-fraud servicesDevice, behaviour and internal fraud listsPass
- Identity verificationBranch or remote ID verificationPass
- Credit bureausCredit history and current debtPass
- Government registriesTax, court and ID registriesPass
- Internal bank dataAccounts, salary and depositsReview
- Additional data sourcesOpen banking and employer dataAuto
Payment infrastructure
Payments through your core and payment rails:
- Core banking
- Bank transfers
- Instant payments
- Cards
- Branch cash
Loan servicing
Every loan and every posting
on one screen
Loan details, transactions and schedules in real time, from payout to interest accrual.
- A calculation engine your auditors trustInterest, fees, penalties and provisions run through an engine with 200+ configurable parameters, with every manual correction logged for audit.
- Retail and SME products, configuredProducts, rules and scenarios are set in the admin panel without a release.
- Notifications tied to every calculationDue dates, recalculated amounts and penalties notify the client and branch staff.
Reporting and analytics
Regulatory and management reporting
- 25+ ready reportsPortfolio, provisions, delinquency and channel performance for management and the regulator.
- Data warehouse and BIPush loan data to your warehouse and BI tools.
- Accounting and taxPostings sync with your general ledger and local tax reporting.
Integrations
Plugs into what
you already use
Payments, KYC, open banking, credit data, messaging and e-signature, ready to switch on.
1,700+
connectors across 172 markets
Portals
One platform, three portals
Everyone works in the same system and sees only what their role allows.
Customer portal
Borrowers apply, repay, extend and track loans online.
Staff portal
Managers, analysts, risk, verifiers and collectors work side by side.
Super-admin portal
Products, roles, permissions and rules change without a release.
A seat for every role
Each person sees exactly what their job needs, nothing more.
- Loan manager
- Analyst
- Risk manager
- Verifier
- Collector
- Operator
- Supervisor
- Manager
- Super-admin
Questions
Frequently
asked
Didn’t find the answer? Write to us and we’ll reply within one business day.
Does it connect to our core banking system?+–
Yes. Loans, schedules and payments sync with your core through ready connectors or APIs.
Which loan types are supported?+–
Consumer, card, auto, mortgage, business and secured loans, credit lines and overdrafts. New products are set up in the admin panel.
Can we deploy on-premise?+–
Yes. The platform runs in our cloud, in your private cloud or on your own servers, with the same features in each case.
How is regulatory reporting handled?+–
Standard regulatory reports are built from loan data automatically and can be adjusted to your local regulator's format.
How long does implementation take?+–
A standard SaaS launch takes 1–2 weeks. On-premise installations and migrations from another system usually take 6–10 weeks.
Full bank lending specification
40 features with the integrations that come ready, on one page you can print or save as PDF.
Book a demo
See lendhero on your
own products
We’ll walk you through the platform, show what matters for bank lending and answer questions about your business.
- A 30-minute call
- A walkthrough on your products and markets
- Answers on timeline, integrations and pricing