Borrowers and groups, registered once
Borrowers and groups are registered once and tracked across every loan.
About Lendbox
Built because the spreadsheet stopped working
Most lending businesses start the same way: a notebook, then an Excel file, then three Excel files that no longer agree with each other. Repayments get posted late. Interest is calculated by hand. A loan officer leaves and takes half the client history with them. By the time you are managing a few hundred borrowers, you are spending more time reconciling records than lending money.
Lendbox exists to fix that. It is a loan management system built from the ground up for microfinance institutions, SACCOs, and small lending businesses that need proper books, clear visibility, and fewer things falling through the cracks.
What Lendbox does
The full lending cycle, in one place
Repayments allocated in the right order
Repayments are allocated automatically in the right order, so penalties, fees, interest, and principal are never mixed up.
Double-entry, without the bookkeeping
Every transaction posts to double-entry accounts, so your ledger is always current without a separate bookkeeping exercise.
Approvals at every level
Approval workflows let loan officers, branch managers, and directors each sign off at their level.
Also built in
- Collateral
- Investors
- Payroll
- Document signing
- Borrower notifications by SMS, WhatsApp, and email
Whether you run one branch or ten
Every branch works from the same chart of accounts with its own attribution, so consolidated reporting is a click rather than a month-end project.
Who we are
A small team based in Zambia
Lendbox is built and operated by a small team based in Zambia. We work close to the lenders we serve, which means the problems we solve are the ones that actually show up in a lending office:
- Late repayments
- Aging arrears
- Staff turnover
- Audits
- Investors who want to see the numbers
The product is used by lenders across Africa and beyond, supports multiple currencies, and is designed to work for any lending business regardless of where it operates.
How we work
Lendbox is self-serve
- Step 1
Sign up
- Step 2
Import your borrowers and loans from Excel, if you have them
- Step 3
Start running your portfolio the same day
- No sales process
- No implementation project
- No long contract
Pricing is straightforward and you can see it before you commit.
We ship frequently and we build what lenders ask for
Read the changelogStarted as requests from customers
- Bulk repayments
- Loan roll-overs
- Collateral recovery
- Custom borrower fields
- The decisions audit trail
What we believe
Lending businesses deserve software that is as careful with their records as they are with their money.
Good records protect borrowers, protect lenders, and make it possible to grow without losing control.