Digital Lending Infrastructure

Digital Lending Infrastructure for Emerging Markets.

Launch, manage, and scale lending products with origination, underwriting, servicing, and portfolio management — in one platform.

See How It Works →
Built forFintech LendersMicrofinance InstitutionsDigital BanksLending Startups
LN-20841 disbursement approved
app.adlend.co/dashboard
Good morning, Sarah
SA
Loan Portfolio
Active Portfolio
$4.2M
↑ +12.4%
Active Loans
1,847
↑ +38 this week
Collected Today
$28,400
94.2% rate
Delinquency
3.1%
↓ 0.4%
Recent Loans1,847 active
Loan IDCustomerProductStatusAmountDue
LN-20841Amara DialloSME Term LoanActive₦2,400,000May 15
LN-20840Fatima Al-RashidPersonal FinanceActiveJOD 8,500May 10
LN-20839Kwame AsanteSalary AdvanceOverdueGHS 4,200Apr 30
LN-20838Ngozi OkaforBNPL — 6moActive₦850,000May 05
LN-20837Omar HassanBusiness LoanPending$12,000
LN-20836Aisha MensahMicrofinanceActiveGHS 1,800May 01
LN-20835Joseph MutabaziSalary AdvanceActiveRWF 420KMay 18
Trusted by lenders in the region
MS
Money Sal
Lebanon · Consumer & Business Lending
YB
Yobsons
Africa · Employee Lending · Mobile Money
Who It's For

Built for lenders who operate in real markets.

Adlend is purpose-built for three types of financial institutions — each with different needs, same uncompromising standard.

Primary ICP
Fintech Lenders
  • Launch loan products in days, not months
  • No-code product builder — no dev dependency
  • White-label borrower portal under your brand
  • Scale to millions of borrowers on one platform
🤝
Microfinance Institutions
  • Group lending and guarantor workflows
  • Agent-managed disbursements and collections
  • Compliance-ready for your local regulator
  • KYC & AML built in — no separate vendor
🏛️
Banks Digitizing Lending
  • Multi-branch, multi-department deployment
  • Role-based access control and audit trails
  • Regulatory reporting for your market
  • Cloud or on-premise — your data stays yours
Real Workflow

Here's exactly how lending works in Adlend.

Amara runs a fintech lender in Nigeria. She used Adlend to launch a salary advance product — from product configuration to first disbursement — in under three weeks. No developers. No integration projects. No waiting.

01
Configure Lending Products

Use the no-code product builder to set amounts, tenures, fee structures, and interest models. Launch new products in hours — no developer needed.

No-Code Config
02
Define Eligibility & Rules

Set underwriting criteria, required documents, approval routing, and eligibility checks. Your rules, fully configurable without touching code.

Underwriting
03
Process Applications

Borrowers apply through your branded portal. ID verification, biometric check, and AML screening via Shufti Pro happen automatically — inline.

KYC & AML
04
Underwrite & Approve

Review applications in the backoffice, approve with one click, and trigger disbursement instantly. Every action logged for a full audit trail.

Approval
05
Track Repayments & Portfolio

Repayment schedules auto-generate from loan terms. Overdue accounts flagged in real time. Penalties apply per your rules. Pull 20+ report types — always audit-ready.

Collections & Reporting
Platform & Modules

Everything your lending operation needs.

Explore the full scope of the Adlend platform.

Loan Management

Originate, approve, disburse, collect, and close loans from one place. Supports top-ups, refinancing, rescheduling, early settlement, and write-offs.

Product Configuration

Build and manage loan products without writing a single line of code. Configure tenure, amounts, fees, interest types, and penalty rules your way.

Customer & KYC Management

Create customer profiles, verify identities, run AML checks, and manage eligibility — all powered by Shufti Pro across 230+ countries.

Collections & Overdue Management

Track overdue accounts, manage penalties, process early settlements, and keep your portfolio healthy with built-in collections tools.

Buy Now, Pay Later

Onboard and manage merchants, link customers to merchant financing, and run the full BNPL repayment flow from one platform.

White-Label Borrower Portal

Give your customers a branded digital onboarding experience. Fully customizable, mobile-ready, and designed for your market.

Reporting & Compliance

20+ report types covering portfolio performance, disbursements, collections, overdue, write-offs, and AML audit trails.

Task Management

Assign, track, and complete role-specific tasks across your loan and customer journeys. Never let a follow-up fall through the cracks.

User Roles & Permissions

Manage teams, define roles, set granular permissions, and maintain full user activity logs across branches and departments.

No-Code Configuration

Build Any Loan Product. No Developers Required.

Configure loan amounts, tenures, fee types, and interest models without touching code. When your market changes, your products change with it. No sprint. No ticket. No waiting.

New Product
Features
Tenure & Ranges
Fees & Taxes
1
Features
2
Settings
3
Ranges
4
Fees
5
Interest
6
Penalties
7
Pmt Bookings
8
Financing
Allow
Topup Refinance Lock/Unlock Skip +5 more ▾
Topup
Refinance
Enforce Eligibility Check
Allow Multiple Loans
Early Full Settlement
Early Full Settlement Penalty
%
Initial Loan Amount
Outstanding Amount
Rounded decimal to be deducted from last payment
Options
Write Off
Skip
Edit Limit
Refinance
Re-Calculate
Guarantor
Eligibility Check
Extension
Lock/Unlock
Freeze
Edit Customer
Features
Settings
3
Ranges
4
Fees
5
Interest
6
Penalties
7
Pmt Bookings
8
Financing
Tenure Unit
Days
Weeks
Months
Years
Amount Ranges
RangeMin AmountMax Amount
Range 1$500$5,000
Range 2$5,001$20,000
Range 3$20,001$50,000
+ Add Range
Features
Settings
Ranges
4
Fees
5
Interest
6
Penalties
7
Pmt Bookings
8
Financing
Fee NameTypeAmountDiscountedActive
Service Fee
At disbursement
VAT
On service fee
Transfer Fee
Per disbursement
Late Payment Fee
After grace period
Insurance Fee
Optional coverage
+ Add Fee
Core Capabilities

Everything your lending operation needs — in one platform.

Not a patchwork of integrations. Every capability is built in, pre-configured, and ready to use from day one.

Full Loan Lifecycle

Originate, approve, disburse, service, collect, and close from one place. Top-ups, rescheduling, early settlement, and write-offs all included.

White-Label Borrower Portal

Your brand, your domain, your mobile-first borrower experience. KYC inline — no redirect, no separate vendor, no custom build.

KYC & AML

Verify identities across 230+ countries and screen against 1,700+ AML watchlists via Shufti Pro — inline, in every loan flow, zero extra integration.

Collections & Overdue

Track overdue accounts in real time, configure penalty rules per product, and process early settlements — your collections process, your way.

Reporting & Compliance

20+ report types — portfolio performance, disbursements, collections, AML audit trails. Always regulator-ready.

Multi-Currency & BNPL

15+ currencies out of the box. Run BNPL merchant networks and Islamic finance products on the same platform — no extra modules.

White-Label Borrower Portal

Your Brand. Your Portal. Your Borrowers.

A fully white-labeled borrower portal — your logo, your domain, your colors. KYC inline, mobile-first, built for emerging markets. No separate vendor. No custom build. Configure and launch.

Fully branded — logo, colors, domain
KYC, ID verification & selfie check built in
Mobile-first — designed for Africa & the Middle East
Loan status, repayment schedule & documents — all in one place
9:41
YourLender
Loan Application
Step 2 of 4
Loan Details
Choose your loan amount and tenure
Loan Amount
$5,000
+
Repayment Period
12 months
Loan Purpose
Business Equipment
Est. Monthly Payment$445 / mo
White-label readyClient's logo, colors & domain — not Adlend's
Built-in KYCID + selfie verified inline — no redirect
Mobile-firstWorks on any device, any network
Why Switch

Traditional LMS vs Adlend

Most legacy platforms were built for a different market, a different era, and a different buyer. Adlend was built for you.

Traditional LMS
6–18 months to deploy and go live
Requires developers for every product or fee change
Built for Western banking — not emerging markets
Separate KYC vendor, separate AML integration, extra cost
No white-label borrower portal — borrow builds their own
Rigid fee and interest structures — hard to customize
Limited multi-currency and multi-country support
Opaque compliance trails — painful for audits
Adlend
Go live in weeks — not months
No-code product builder — your ops team owns it
Purpose-built for Africa and the Middle East
Built-in KYC + AML via Shufti Pro — zero extra integration
White-label borrower portal included — your brand, your domain
Fully configurable fees, interest types, and penalty rules
Multi-currency, multi-country, out of the box
Full user activity audit trails — always regulator-ready
Compliance & Risk Management

Security, compliance, and data sovereignty — built in.

Fintech regulators in Africa and the Middle East don't give second chances. Adlend ships with enterprise-grade security, role-based access, full audit trails, and built-in KYC/AML — so your team is always audit-ready, and your customers' data is always protected.

Cloud-hosted or on-premise — your data sovereignty rules apply. We adapt to your regulatory environment, not the other way around.

Secure ArchitectureAES-256 at rest · TLS 1.3 in transit
Role-Based AccessTeam access control · Branch-level segmentation
Full Audit TrailsEvery action logged · Always regulator-ready
API-ReadyREST API · Integrate with your existing stack
Scalable DeploymentCloud or on-premise · 99.9% uptime SLA
Built-In KYC & AMLShufti Pro · 1,700+ watchlists · 230+ countries
From the Blog

Insights from the field.

View all posts →
Pricing

Tailored to your institution.

Plans are structured based on your portfolio size, loan volume, and deployment needs. No fixed tiers — no features hidden behind a paywall. Talk to us and we'll put together the right commercial model for you.

Portfolio Size

Scales with the volume of loans you manage — not a flat fee regardless of usage.

Loan Volume

Disbursement activity is factored in, so early-stage lenders pay less as they grow.

Deployment Model

Cloud-hosted or on-premise — your infrastructure choice affects the commercial model.

Modules Used

Use the full platform or specific modules. You pay for what you actually need.

See the full lending workflow
in 30 minutes.

We'll walk you through Adlend end-to-end — from product setup to first disbursement — and show you exactly how it fits your institution.

No lengthy sales process. One straight conversation with the team.