Bank lending software for Europe

Consumer instalment loans and credit lines for banks, with Consumer Credit Directive disclosures, eID onboarding and SEPA Direct Debit collections.

See markets
lendhero Bank lending · Europe software interface
45
Europe markets with local setup
650+
local connectors ready to switch on
3 channels
branch, app and agent in one origination flow
1–2
weeks from kickoff to the first loan

What you get

Bank lending in Europe, configured, not coded.

Core banking integration

Accounts, limits and postings sync with your core system.

Omnichannel origination

Branch, app, web and agent channels share one pipeline.

Product factory

Launch new loan products without a release cycle.

Limits and exposure

Group exposure and limit checks before every approval.

Collateral registry

Pledges, guarantees and valuations tied to each loan.

Audit trail

Every decision and edit logged for internal and external audit.

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, across Europe.
Regulatory and management reporting: lendhero interface

Local rails

Ready in the markets that matter for bank lending.

  • Germany5 connectors
    • SSCHUFA
    • IIDnow
    • SSEPA
    • SSEPA Instant
    • SSEPA Direct Debit
  • Italy5 connectors
    • CCRIF
    • SSPID
    • SSEPA
    • SSEPA Instant
    • SSEPA Direct Debit
  • Spain5 connectors
    • CCIRBE
    • OOnfido
    • SSEPA
    • BBizum
    • SSEPA Direct Debit
  • Poland5 connectors
    • BBIK
    • mmObywatel
    • BBLIK
    • EExpress Elixir
    • DDirect debit
  • Czechia5 connectors
    • CCBCB
    • BBank iD
    • IInstant payments
    • QQR platba
    • DDirect debit
  • Sweden5 connectors
    • UUC
    • BBankID
    • SSwish
    • BBankgirot
    • AAutogiro

All Europe markets

Open Europe

Integrations

Connected out of the box

Connect SEPA and open banking, card issuing, KYC, credit bureaus, messaging and e-signature providers across Europe out of the box.

  • Connected out of the box4 ready connectors
    • TTink
    • TTrueLayer
    • VVeriff
    • EExperian

Questions

Frequently asked

Didn’t find the answer? Write to us and we’ll reply within one business day.

Which Europe markets is it available in?+

All 45. The most active for bank lending are Germany, Italy, Spain and Poland.

Can we use local bureaus and wallets?+

Yes. Local credit bureaus, ID registries, wallets and payment rails come connected; the country pages list them one by one.

How long does a launch take?+

A standard SaaS launch takes 1–2 weeks. On-premise installations and migrations from another system usually take 6–10 weeks.

Can we run several countries on one platform?+

Yes. One installation serves several countries, each with its own currency, products, languages and local connectors.

Which other products run in Europe?+

Microfinance lending, BNPL & POS lending, Auto financing, P2P lending, Islamic financing and Business lending. Each one has its own page for Europe.

Book a demo

Launching bank lending in Europe?

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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