# Lendbox

> Lendbox is a cloud-based, AI-powered loan management software built for growing lenders, microfinance institutions, SACCOs, and credit providers. It combines comprehensive loan management, integrated double-entry accounting, AI-driven fraud detection, risk scoring, and a branded client portal in a single platform — accessible via web, Android, and iOS.

Lendbox helps lending businesses streamline the full loan lifecycle (application, approval, disbursement, repayment, collections) while automating accounting and reducing fraud risk through AI document verification and real-time monitoring. The platform is multi-currency, multi-branch, multi-staff, and localized for African and Southeast Asian lending markets.

- Production website: https://lendbox.io
- Application (sign-in / sign-up): https://app.lendbox.io
- Free trial: 7-day free trial, no setup fees, includes full access to AI security features
- Pricing tiers: Basic, Business, Growth, Enterprise (monthly or annual billing)
- Supported locales: English (en), French (fr), Spanish (es), Arabic (ar), Filipino (fil), isiZulu (zu), Afrikaans (af), isiXhosa (xh), Dutch (nl), Setswana (tn), Kiswahili (sw), Portuguese (pt)

## Core product

- [Homepage](https://lendbox.io/en): Overview of loan management, accounting, AI security, and client portal capabilities.
- [Features](https://lendbox.io/en/features): Full catalog of platform features including fraud detection, credit risk scoring, automated workflows, real-time insights, and tutorial videos.
- [Pricing](https://lendbox.io/en/pricing): Transparent tiered pricing — Basic, Business, Growth, Enterprise — with staff member and branch counts per tier.

## Key capabilities

- **Loan management**: End-to-end loan lifecycle handling — applications, approvals, disbursements, custom loan agreements, payment schedules, repayments, late-payment penalties, collateral tracking, and unlimited loan products.
- **Integrated accounting**: Built-in double-entry bookkeeping, automated journal entries, financial statements, bank reconciliation, and accounting reports.
- **AI security shield**: Document verification (IDs, bank statements) with ~99% accuracy, AI-generated credit risk scores, and continuous real-time fraud monitoring with instant alerts.
- **Client / borrower portal**: Branded self-service portal where clients view loans, statements, repayments, receipts, and submit online applications and repayments. Supports custom domain names on higher tiers.
- **Communications**: Email, SMS, and WhatsApp notifications for loan creation, due date reminders, repayment confirmations, and custom events.
- **Multi-tenant operations**: Multi-branch, multi-staff with granular roles and permissions, multi-currency support, detailed audit trails, and unlimited file storage.
- **Reporting & analytics**: Interactive charts, loan performance insights, and portfolio-at-risk (PAR) metrics.
- **Integrations**: REST API on Business tier and above for integration with existing systems; data import via Excel or CSV.
- **Mobile apps**: Native Android and iOS applications for on-the-go management.

## Solutions by lender type

Pages tailored to how each kind of lender runs its book, all powered by the same Lendbox platform:

- [Solutions overview](https://lendbox.io/en/solutions): Loan management software mapped to every kind of lender.
- [SACCO loan management](https://lendbox.io/en/solutions/sacco-loan-management): For savings and credit cooperatives — member savings, shares, and loans.
- [Microfinance loan software](https://lendbox.io/en/solutions/microfinance-loan-software): For microfinance institutions managing high-volume small loans.
- [Microfinance bank software](https://lendbox.io/en/solutions/microfinance-bank-software): For deposit-taking microfinance banks with accounting and compliance needs.
- [Money lender software](https://lendbox.io/en/solutions/money-lender-software): For independent and commercial money lenders.
- [Asset finance loan software](https://lendbox.io/en/solutions/asset-finance-loan-software): For asset and equipment finance with collateral tracking.
- [Group lending software](https://lendbox.io/en/solutions/group-lending-software): For group and joint-liability lending models.
- [Employer staff loan software](https://lendbox.io/en/solutions/employer-staff-loan-software): For employers running staff and payroll-deduction loan schemes.

## Use cases & features by job

Guides to loan management features organized by the problem each one solves:

- [Use cases overview](https://lendbox.io/en/use-cases): Loan management features by the job each one does.
- [Loan origination software](https://lendbox.io/en/use-cases/loan-origination-software): Applications, approvals, and disbursement workflows.
- [Loan portfolio tracking](https://lendbox.io/en/use-cases/loan-portfolio-tracking): Portfolio monitoring, performance, and portfolio-at-risk metrics.
- [Loan collections software](https://lendbox.io/en/use-cases/loan-collections-software): Arrears, follow-ups, and repayment recovery.
- [Loan accounting software](https://lendbox.io/en/use-cases/loan-accounting-software): Integrated double-entry accounting for lenders.
- [Collateral management software](https://lendbox.io/en/use-cases/collateral-management-software): Tracking security and collateral against loans.
- [Group lending management](https://lendbox.io/en/use-cases/group-lending-management): Managing groups, members, and joint liability.

## Free tools

Free, no-sign-up tools for lenders and borrowers:

- [Tools overview](https://lendbox.io/en/tools): A growing toolbox of free lending tools.
- [Loan agreement generator](https://lendbox.io/en/tools/loan-agreement-generator): Fill one form, auto-calculate EMI and interest, edit any clause, and download a professional loan agreement PDF — no sign-up required.

## Resources

- [Blog](https://lendbox.io/en/blog): Articles on lending operations, fintech trends, product updates, and industry guidance.
- [Case studies](https://lendbox.io/en/case-studies): Customer success stories from lenders using Lendbox.
- [Glossary](https://lendbox.io/en/glossary): Plain-English glossary of lending and credit terms — APR, amortization, collateral, EMI, underwriting, and more.
- [Alternatives & comparisons](https://lendbox.io/en/alternatives): Side-by-side comparisons of Lendbox against other loan management platforms on features, pricing, and fit.
- [Changelog](https://lendbox.io/en/changelog): Recent product changes and feature releases.
- [Careers](https://lendbox.io/en/careers): Open roles — building the future of lending in Africa.

## Country-specific landing pages

Localized landing pages tailored to each market's regulatory environment, currency, and lender terminology (SACCOs, microfinance, stokvels, etc.):

- [Kenya](https://lendbox.io/loan-management-software/kenya) — KES, SACCOs & microlenders (SASRA / CBK)
- [Nigeria](https://lendbox.io/loan-management-software/nigeria) — NGN, microfinance lenders (CBN)
- [Zambia](https://lendbox.io/loan-management-software/zambia) — ZMW, microfinance lenders (Bank of Zambia)
- [Uganda](https://lendbox.io/loan-management-software/uganda) — UGX, SACCOs & microlenders (UMRA)
- [Ghana](https://lendbox.io/loan-management-software/ghana) — GHS, microfinance & savings and loans (Bank of Ghana)
- [Tanzania](https://lendbox.io/loan-management-software/tanzania) — TZS, SACCOS & microlenders (Bank of Tanzania)
- [Rwanda](https://lendbox.io/loan-management-software/rwanda) — RWF, SACCOs & microlenders (National Bank of Rwanda)
- [Zimbabwe](https://lendbox.io/loan-management-software/zimbabwe) — USD, microfinance lenders (RBZ)
- [South Africa](https://lendbox.io/loan-management-software/southafrica) — ZAR, microfinance & stokvels (FSCA / SARB)
- [Philippines](https://lendbox.io/loan-management-software/philippines) — PHP, microfinance lenders (BSP)
- [Botswana](https://lendbox.io/loan-management-software/botswana) — BWP, microfinance lenders (Bank of Botswana)

## Account & legal

- [Sign up / Register](https://app.lendbox.io/auth/register): Start a 7-day free trial.
- [Log in](https://app.lendbox.io/auth/login): Existing customer login.
- [Privacy policy](https://lendbox.io/en/privacy-policy)
- [Terms of service](https://lendbox.io/en/tos)

## Optional

- [Mobile apps]: Available on Google Play and the Apple App Store; download links are surfaced from the homepage.
- [Support]: 24/7 email support on all plans; priority support on Business tier and above; Google Meet training sessions available.