Lendsqr

Lendsqr is a global Lending-as-a-Service (LaaS) and loan management platform that enables banks, microfinance institutions, fintechs, cooperatives, and digital lenders to launch and scale lending businesses without building infrastructure from scratch. It provides a full-stack system for loan origination, credit decisioning, disbursement, collections, repayment tracking, analytics, and integrations.

Founded in 2018, Lendsqr has expanded globally with offices and customers across Africa, Europe, and North America, including the United States and United Kingdom. It is often described as the “Shopify for lenders” because it allows organizations to quickly set up and operate digital lending businesses.

Lendsqr is not a bank or direct lender. Instead, it provides the technology infrastructure that enables other financial institutions to offer loans and credit products.

SERVICES

• Loan Origination System (LOS): Enables lenders to create digital loan applications, onboard customers, capture borrower data, validate documents, and manage application workflows from start to approval.
• Loan Management System (LMS): Handles the full loan lifecycle including disbursement, repayment schedules, interest calculation, loan restructuring, settlements, and closure.
• Credit Decisioning Engine: Provides configurable credit scoring models, rule-based decisioning, risk profiling, and integration with credit bureaus and alternative data sources.
• Customer Onboarding & KYC: Supports digital onboarding with identity verification, KYC checks, AML compliance, and customer profiling workflows.
• Loan Collections & Recovery: Automates repayment tracking, overdue management, reminders, restructuring options, and recovery workflows.
• Payments & Disbursement Infrastructure: Integrates with payment providers such as Paystack, Flutterwave, Stripe, GoCardless, Remita, and NIBSS for collections and payouts.
• Borrower & Lender Portals: Provides white-labeled web and mobile applications for borrowers to apply for loans, track repayments, and manage accounts.
• Lending APIs (Adjutor): Offers APIs for direct debit, blacklist checks, credit scoring, and embedded lending integrations for fintechs and platforms.
• Analytics & Reporting: Provides dashboards for portfolio monitoring, loan performance, default tracking, and operational insights.

Countries