Streamline your lending operations with comprehensive loan management, integrated accounting, and AI-powered risk analysis - all in one platform.
30-day free trial. No card needed.
Includes full access to AI security features
Comprehensive Platform
A complete online loan management system that helps you streamline operations, reduce manual work, and grow your lending business.
Handle loan applications, approvals, disbursements, and repayments efficiently. Generate custom loan agreements and payment schedules.
Automated calculations
Track all financial transactions with integrated accounting. Generate financial statements, reconcile accounts, and manage your cash flow.
Real-time reporting
Give your clients access to their loan information, payment history, and documents. Enable online loan applications and repayments.
24/7 access
Straight answers
Lendbox is loan management software for microfinance institutions, SACCOs and other lenders. It runs the loan book, the borrower records, a double-entry general ledger and the reports in one system. Loans are written against products that set the interest, fees and penalty rules. Each repayment is split by a fixed waterfall, and each loan event posts to the ledger as it happens. Staff use it on the web, Android and iOS. Borrowers check their own balance in a portal.
Lenders with a loan book that more than one person touches. Microfinance institutions, SACCOs, microfinance banks, money lenders, asset financiers and group lenders use it in more than 40 countries. It fits a one-branch lender with one staff member and a multi-branch institution with a credit committee, because plans scale by branches and staff rather than by borrowers or loans.
Plans are priced per month by the number of branches and staff, never by the number of borrowers, loans or repayments. Basic, Business and Growth are fixed monthly plans. Enterprise is priced per staff member and per branch. Yearly billing is cheaper per month. Every plan starts with a 30-day free trial, and there is no setup fee.
AI Security Shield
Our AI-powered security system protects your lending business from fraud while providing accurate risk assessment for better decision making.
Automatically detect fraudulent documents with our advanced AI algorithms. Verify IDs, bank statements, and other documents in seconds.
99% accuracy
AI-powered risk assessment analyzes multiple data points to provide accurate creditworthiness scores and detailed risk profiles.
Reduce defaults
Continuous AI monitoring of all transactions and activities with instant alerts for suspicious behavior and potential fraud attempts.
Instant alerts
Lend Smarter
Access via Mobile App
Manage your lending business anytime, anywhere with our user-friendly mobile app.
Performance
Enjoy fast processing and real-time insights to enhance your lending operations.
Security
Our cloud-based platform ensures your data is secure and protected against loss, providing reliable access whenever you need it.
Access through Website Portal
Access a comprehensive dashboard to oversee your lending activities from your desktop.
Cloud-Based
Manage all your clients, client loans and repayments in one place all from the cloud. Access your dashboard from any device, anywhere.
For your technical team
What connects to Lendbox and how your data is protected, with the detail a CTO or auditor asks for before signing.
REST API
Sandbox and production environments, an API key per institution, and public documentation.
Webhooks
POST notifications for loan, borrower, repayment and investor events, to any endpoint you choose.
Document e-signing
Loan agreements signed inside Lendbox: you sign the template once, each borrower signs their own copy, and the signed document is stored on the loan.
Borrower notifications
Reminders and statements over SMS, email and WhatsApp.
Borrower portal and apps
A borrower portal on your own domain, plus Android and iOS apps for your staff.
Full data export
Export your complete data set from inside the product at any time. No request to us is required.
Encrypted in transit and at rest
TLS 1.3 in transit, AES-256 at rest, hosted on Amazon Web Services.
Graduated permissions
Per-module permission levels for every staff member, with a different role per branch where needed.
Maker-checker approvals
Sensitive actions are split between the staff member who requests them and the one who approves, with configurable steps.
Multi-factor authentication
Available on every login and enabled per user.
Append-only audit trail
Every action recorded with the user, the record and a timestamp, retained for the life of the account.
Hourly backups
Encrypted, retained for six months, with restores tested weekly.
Pricing
Our pricing is designed to be transparent and easy to understand, with no hidden fees.
$25
/month
Billed yearly at $300
$89
/month
Billed yearly at $1,068
$134
/month
Billed yearly at $1,608
$185
/month
Billed yearly at $2,220
You don’t have to close your current book to start. Import your existing clients and loans with their outstanding balances and set each loan’s opening position, so its schedule continues from where it is today. Duplicate checks run on the way in, and each ledger account takes an opening balance and the date it applies from — so the accounts start from your real position on the day you switch.
You do. Your clients, loans, transactions and full ledger stay exportable for as long as you hold an account — from inside the product, with no request to us — including on the way out. Your book is never held back to keep you subscribed.
Set up your loan products once — flat or reducing balance, your own rates, fees and penalty rules — and every loan written against a product follows them. Interest, fees and late penalties are calculated on each schedule automatically, so pricing stops being a formula someone retypes per loan and becomes a setting.
Yes. Every disbursement, repayment, fee and accrual posts to the general ledger by double entry as it happens, so your trial balance, P&L and balance sheet are built from the same activity as the loan book. Any figure drills back through its journals to the loan and transaction behind it, and portfolio-at-risk, aging and classification come from live data — so an audit query is a drill-down and a regulatory return is an export, not a reconstruction.