EN · United StatesThe lending platform
built for microfinance
Applications, checks, decisions, payouts and collections in one system — for borrowers, your team and your partners.
Connects to 1,700+ services out of the box
How it works
From the first click
to the last payment
Four steps, one system. Every team sees the same borrower and the same loan.
- 01ApplyOnline, in an app or in a branch. Unfinished applications are saved.
- 02VerifyID, anti-fraud, credit bureaus and sanctions run in one pass.
- 03DecideRules and scoring models approve, decline or route to a person.
- 04Disburse & collectMoney goes out and comes back, with reminders on autopilot.
Working with borrowers
Tools for every borrower conversation
From the first application to repeat loans, borrowers and field officers work in one flow.
Applications in minutes
Borrowers apply online or with a field officer, and a half-filled form waits for them to come back.
Reminders that get read
Approvals, due dates and overdue notices go out by SMS, WhatsApp and email automatically.
Rewards for repeat borrowers
Points for on-time payments, promo codes for campaigns and manual adjustments by staff.
A portal for repeat loans
Repeat borrowers reapply without retyping data, extend or repay from their phone.
Contracts without paperwork
Loan agreements, extension requests and receipts are generated and e-signed at each step.
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.
Checks and payments
Who borrows and how money moves
Borrowers with little or no credit history are checked fast, and money reaches their wallets the same day.
Client checks
Checks for borrowers with little credit history:
- Anti-fraud servicesDevice and duplicate-application checksPass
- Identity verificationID document, selfie and livenessPass
- Credit bureausMicrofinance and bureau historyPass
- Government registriesNational ID and tax registriesPass
- Mobile footprintPhone age and wallet activityReview
- Group and community dataGroup guarantees and officer notesAuto
Payment infrastructure
Cash, wallets and bank rails for small tickets:
- Mobile wallets
- Cash agents
- Bank transfers
- Cards
- Instant payments
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 for weekly and seasonal loans are calculated by a dedicated engine with 200+ configurable parameters. Officers can still adjust amounts by hand.
- Loan products in minutesSet up group, weekly and seasonal products with their rules and scenarios in the admin panel.
- Notifications tied to every calculationEach due date, penalty and recalculation sends the right message to the borrower and the field officer.
Reporting and analytics
Portfolio quality, branch by branch
- 25+ ready reportsOverdue loans (PAR30, PAR90), disbursements, collections and loan officer productivity, by branch and product.
- Dashboards and BISend portfolio data to your BI tools for deeper analysis of every branch.
- Accounting and taxEntries post automatically to the local accounting and tax systems you already use.
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.
What is a configurable credit decisioning engine?+–
A module that assesses applications and makes decisions automatically. You set the rules, scoring models and scenarios for your organisation.
Which organisations is it for?+–
Microfinance companies, banks, credit unions, fintech lenders, BNPL providers and brokers. You switch on only the products and modules you need.
Which parameters and rules can be configured?+–
Loan products, rates, fees and penalties, scoring rules, approval limits, document templates, notifications and staff roles. More than 200 settings change in the admin panel, without developers.
How does it integrate with banking systems?+–
Through ready connectors and an open REST API. Core banking, accounting, payment rails, credit bureaus and ID check providers connect without replacing what you already run.
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 microfinance lending specification
78 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 microfinance and answer questions about your business.
- A 30-minute call
- A walkthrough on your products and markets
- Answers on timeline, integrations and pricing