Business lending software for Africa

Working capital and merchant credit for SMEs, scored on bank statements, POS and mobile-money flows.

See markets
lendhero Business lending · Africa software interface
48
Africa markets with local setup
185+
local connectors ready to switch on
1 view
of every business, director and guarantor
1–2
weeks from kickoff to the first loan

What you get

Business lending in Africa, configured, not coded.

Multi-party applications

Directors, shareholders and guarantors in one application.

Cash-flow scoring

Bank statement and open-finance parsing feeds the scorecard.

Invoice finance

Advances against receivables, with buyer verification.

Merchant advances

Repayments taken as a share of daily card or wallet sales.

Collateral and covenants

Track pledged assets, valuations and covenant checks.

Credit committee

Configurable approval levels with full decision history.

Reporting and analytics

Exposure, covenants and cash flow

  • 25+ ready reportsExposure by industry, covenant breaches, utilisation and delinquency.
  • BI and analyticsPush facility and cash-flow data to your BI tools.
  • Accounting and taxDrawdowns, fees and tax entries post to local accounting and tax systems, across Africa.
Exposure, covenants and cash flow: lendhero interface

Local rails

Ready in the markets that matter for business lending.

  • Nigeria5 connectors
    • CCRC Credit Bureau
    • BBVN (NIBSS)
    • NNIP (NIBSS)
    • PPaystack
    • RRemita direct debit
  • Kenya5 connectors
    • MMetropol CRB
    • IIPRS
    • MM-Pesa (Daraja)
    • AAirtel Money
    • MM-Pesa Paybill
  • South Africa5 connectors
    • TTransUnion
    • DDHA (Home Affairs)
    • PPayShap
    • EEFT
    • DDebiCheck
  • Egypt5 connectors
    • II-Score
    • NNational ID (CSO)
    • IInstaPay
    • MMeeza
    • FFawry
  • Ghana4 connectors
    • XXDS Data Ghana
    • GGhana Card (NIA)
    • GGhIPSS instant pay
    • MMTN MoMo
  • Morocco5 connectors
    • CCreditinfo Maroc
    • CCNIE validation
    • IInstant transfers
    • MM-wallet
    • CCash Plus

All Africa markets

Open Africa

Integrations

Connected out of the box

Connect mobile money, card and bank rails, KYC, credit bureaus, SMS and e-signature providers across Africa out of the box.

  • Connected out of the box16 ready connectors
    • MM-Pesa
    • FFlutterwave
    • PPaystack
    • MMTN MoMo
    • AAirtel Money
    • CCellulant
    • MMono
    • OOkra
    • SStitch
    • SSmile ID
    • VVerifyMe
    • MMetropol
    • TTransUnion
    • AAfrica's Talking
    • TTermii
    • IInfobip

Questions

Frequently asked

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

Which Africa markets is it available in?+

All 48. The most active for business lending are Nigeria, Kenya, South Africa and Egypt.

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 Africa?+

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

Book a demo

Launching business lending in Africa?

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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