Consumer lending · Nigeria
Swift Capital
Switched from spreadsheets to LoanHQ in a weekend — collections jumped from 72% to 94%.
94%
collection rate
Complete loan automation
with digital lending software
Get StartedQuickCredit NG
SwiftLend
PeopleFund
NairaVault
LoanStar Africa
CoopCash
QuickCredit NG
SwiftLend
PeopleFund
NairaVault
LoanStar Africa
CoopCash
3-in-1 digital lending platform
yourname.loanhq.app
Product #1
Learn moreBranded Storefront
Get your own custom landing page setup. Present your loan products to borrowers with your own brand, colors, and unique layout configurations.
Risk Profile
Verification Passed
Approved ✓
Product #2
Learn moreAI Credit Analysis
Scores borrower applications automatically. Assesses employment fields, checks data profiles, and surfaces high-risk repayment patterns instantly.
Repayments Active94% Collection Rate
Product #3
Learn moreAdmin Back Office
Full visibility metrics into your active loan portfolio books. Track repayments, send automated reminders, and view full systemic logs.
What kind of loan management solution do you need?
Grow your business, not costs
90%
fewer human mistakes
Replace manual data entry with auto-populated borrower fields to completely eliminate human bias. Help your team process more loans safely without adding operational headcount.
3.5x
more accurate loan decisions
Enhance portfolio risk assessment with real-time analytics. Predict repayment behavior variants in seconds, make better risk-adjusted choices, and lower NPL rates.
24%
higher collection efficiency
Engage borrowers using automated reminders and multi-channel system alerts. Boost active repayment turnarounds across your loan books without constant manual tracking.
2.5x
faster loan processing
Automate data verification pipelines and digital KYC checks. Eliminate old manual bottlenecks entirely, dropping total pipeline application response times from days down to minutes.
Leverage the power of AI, on every step
We built AI into every LoanHQ solution, combining years of industry expertise with proven best practices and advanced technologies.
Randy Lipshutz
Consumer loan · $12,400
Risk alert
---- 100%
Default probability
42%
Mo. 1
Mo. 2
Mo. 3
Mo. 4
Mo. 5
Mo. 6
Early risk detection
Approve more profitable customers while reducing credit losses. AI models analyze hundreds of data points to deliver real-time credit scoring with full compliance transparency.
35%
fewer non-performing loans
Get more than just flexibility
We excel at customization. All our solutions adapt to the most unique business models, delivering tailored solutions that fit your exact requirements, not force you to fit ours.
Active products
SME lending
BNPL
Auto finance
PayDay loan
P2P lending
Mortgage
POS lending
Factoring
Student loan
12 more available
Scale with no limits
LoanHQ grows with your business. As you expand your product line, enter new markets, or evolve your business model, the platform adapts to your changing requirements.
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Dev license@Injectable()
export class LoanOriginationEngine {
constructor(
private scoringService: CreditScore,
private ruleEngine: ComplianceRules
) {}
async processApplication(app) {
const score = await this.scoring...
if (score >= threshold) {
Be free from vendor lock-in
For businesses where data sovereignty and enhanced security is critical, we offer code license options that give you freedom to operate on your terms. This is also a safe option.
Cloud
On-premise
Hybrid
Go beyond SaaS limitations
Our team tailors the platform to your unique business model, systems, and compliance requirements. Choose your deployment (cloud, on-premise, or hybrid) and receive a solution.
Borrower portal
$12,500Back office
$22,500AI credit scoring
$7,000KYC/AML verification
$4,500Total per year$35,000
Gain control over costs
Pay only for the functionality you need: integrate a full end-to-end lending platform, upgrade it with additional engines, or apply only the microservices you require based on your workflow, regulatory.
Enterprise-grade lending software
Dedicated
Get a committed, seasoned team that understands both the industry and your business needs. From implementation to ongoing support, you have experts invested in your success.
Secure
Our systems can be adapted to local regulations, niche products, or unconventional processes, maintaining bank-level security with ISO 27001, and adhering to GDPR, CPRA, and similar global compliance frameworks in mind.
NIST
NIST
OWASP
ISO: 27001
ISO 27018
GDPR
GDPR
PIPEDA
PIPEDA
CCPA
CCPA
لَا إِلٰهَ إِلَّا اللّٰهُ مُحَمَّدٌ رَسُولُ اللّٰهِ
PDPL
DPA
Automated
Modernize legacy processes with intelligent automation: reduce operational costs, prevent data loss, and improve the reliability of legacy system workflows.
KYC check
0,4s
Credit scoring
3,0s
Product match
Running
Underwriting
Pending
Ready for growth
Support larger customer flows, compete in fast-moving markets, and meet the expectations of digitally native borrowers, while lending markets become more dynamic and technology-driven.
5 min
from apply to approved
Flexible technology ecosystem
LoanHQ runs on an enterprise-grade technology stack backed by partner integrations and an open architecture. As the ecosystem evolves, we incorporate new technologies without disrupting your existing setup.
openbanking
ZŪM
GINIMACHINE
TwilioSendGrid
openbanking
ZŪM
GINIMACHINE
TwilioSendGrid
Stay resilient and adaptable
with future-proof lending software
Built-in compliance and security
Stay aligned with evolving regulations without losing efficiency. Embedded KYC, AML monitoring, and audit logs ensure compliance, while ISO-aligned practices, encryption, and strict access controls protect sensitive financial data.
AI-assisted decisioning
Leverage AI for improving the overall health of the lending portfolio. Identify suspicious patterns, detect anomalies, prioritize risk, support faster decision-making, enable smarter approvals, and get higher recovery rates.
Scalable and resilient infrastructure
LoanHQ scales with your business, ensuring stable performance and uninterrupted service even during peak workloads or sudden operational pressure.
Workflow automation
During volatile periods, end-to-end automation reduces manual bottlenecks, supports continuity, and helps teams handle higher pressure without losing efficiency.
Strong integration capabilities
Adapt quickly and avoid operational silos with robust partner integrations with credit bureaus, open banking providers, core systems, payment gateways, CRMs, identity tools, and external data sources.
Analytics for risk management
Make better decisions with LoanHQ analytics that provide instant visibility into portfolio health, approval trends, delinquencies, restructuring volume, and borrower behavior.
Proven lending automation solution
Designed to handle high volumes, complex rules, and strict compliance.
4.8 / 5.0
52 reviewsLoanHQ Back Office
TasksApplicationsLoansBorrowers
Loan AB1234 Active
Original loan
$7,000
Outstanding
$6,440
Term
12mo
Next payment
$676
General InfoApplicationsBorrowerAmortization
Dashboard
Total debts
14
Active
12
Debtors
10
Value
$21k
Landing page
Online loans
designed for you
designed for you
Loan amount
Loan term
Apply Now
Streamline decision‑making with AI analysis for loan candidates ↗
Powered by LoanHQ AI
LoanHQ helps lenders issue more credit while reducing NPLs every day. By combining borrower data — employment details, bank statements, and repayment history — our platform surfaces the insights you need to approve the right candidates, fast.
Take advantage of structured data collection to accelerate loan origination, manage credit risks, and make lending decisions with confidence instead of guesswork.
Scores borrower applications automatically
Assesses employment and income data
Surfaces high-risk repayment patterns
Provides portfolio health insights
Tracks delinquency trends over time
Automates repayment reminders & collections
Everything you needOne platform.
One platform.
Complete lending control.
From storefront to repayment tracking — manage your entire lending operation in one place.
Branded Storefront
Get your own custom URL (yourname.loanhq.app). Present your loan products with your own brand, colors, and messaging.
Buy Now, Pay Later
Let customers take home phones, laptops, and home appliances today and pay in easy installments. We handle the payments, reminders, and follow-up — sellers just make the sale.
Loan Product Management
Create unlimited loan products with custom interest rates, tenors, fees, and eligibility rules.
Built-in KYC & BVN
Automatic identity verification via BVN and facial recognition, fully integrated into your onboarding flow.
Admin Dashboard
Full visibility into your loan book — active loans, pending applications, repayments, and P&L all in one screen.
Loan Invitations
Invite specific borrowers via email or phone with pre-configured loan terms. No back-and-forth required.
Automated Processing
Loan applications trigger structured workflows — document collection, KYC checks, and approval queues run automatically.
Repayment Tracking
Track every repayment, send automated reminders, and view full historical repayment logs per borrower.
Borrower Management
Maintain a complete borrower profile database — KYC status, loan history, employment details, and guarantor info.
Loan Extensions
Let borrowers request loan extensions with a configurable approval flow. Set extension fees and max extension limits.
Simple Onboarding
Start lending in under 5 minutes.
No technical setup required. No developers needed. Just sign up and go.
01
Create Your Lender Account
Sign up at LoanHQ.app and verify your identity. Your personal admin dashboard is ready immediately.
02
Set Up Loan Products
Define your loan offers — amount ranges, tenors, interest rates, fees, and required documents.
03
Invite Borrowers
Share your branded storefront link or send direct loan invitations. Applications come straight to your dashboard.
Who It's ForBuilt for every
Built for every
type of lender.
Whether you're an individual investor or a licensed microfinance bank, LoanHQ adapts to your workflow.
Loan Companies & MFBs
Run your entire licensed lending operation — multiple loan products, automated workflows, collections, and compliance-ready reporting.
Individual Lenders
Manage personal lending to friends, family, or a small portfolio with professional-grade tools — no technical knowledge required.
Fintechs & Startups
Launch a lending product quickly without building infrastructure. LoanHQ is your lending backend — go live in a weekend.
Cooperatives
Manage member loans, contributions, and repayments in one system. Set member-specific credit limits and loan terms.
HR & Staff Loan Programs
Create an internal staff loan scheme. Employees apply directly and deductions can be tracked against payroll cycles.
Digital Lending Platforms
White-label LoanHQ as the infrastructure for a larger lending marketplace or aggregator platform.
Why LoanHQ
The smarter way to run a lending business.
Stop juggling spreadsheets, WhatsApp messages, and manual bank transfers. LoanHQ automates the tedious parts so you can focus on growing your portfolio.
Fully digital borrower onboarding with KYC
Automatic repayment reminders via notifications
Real-time profit & loss reporting
Multi-product storefront under one account
No developer or IT team required
Secure, encrypted data storage
< 30 min
Full setup time
99.9%
Platform uptime
100%
Digital workflow
24/7
Platform access
Your reliable partnersBuilt by a team that
Built by a team that
lives in the lending stack.
LoanHQ is a product of All Good Technologies Limited, a Nigerian technology company focused exclusively on lending infrastructure. We believe great software should make a small MFB feel as capable as a top-tier digital bank.
1,200+
Lenders on platform
₦8B+
Loans originated
99.9%
Platform uptime
24/7
Borrower access
Built with lenders
Every workflow in LoanHQ — from KYC to collections — was shaped by feedback from real Nigerian lenders running real loan books.
Compliance-aware
BVN, identity verification, audit logs, and configurable approval flows so licensed MFBs and individual lenders alike can stay onside.
Operating from Lagos
Headquartered in Nigeria, designed for African lending realities — multi-channel reminders, low-bandwidth UX, mobile-first borrowers.
Client Stories
Lenders love LoanHQ.
Hear from lenders who transformed their operations with LoanHQ.
“We went from a spreadsheet nightmare to a fully digital lending operation in one weekend. Our collection rate improved from 72% to 94% within three months.”
CO
Chukwuemeka Obi
CEO, Swift Capital NG
“Managing 200 member loans manually was exhausting. LoanHQ gave us a branded portal, automated reminders, and a clean dashboard. Game changer.”
NA
Ngozi Adeyemi
Founder, CoopCash Cooperative
“The built-in KYC and BVN verification alone saved us weeks of manual processes. Our compliance team is much more confident now.”
BF
Babatunde Fashola
Director, TrustLend MFB
Success storiesLenders growing
Lenders growing
with LoanHQ.
Secure · Professional · Ready in Minutes
Ready to launch your
lending business?
Join over 1,200 lenders already using LoanHQ to manage, grow, and automate their loan portfolios.
Free to start · No credit card required · Cancel anytime
What’s new?
View all From the LoanHQ blog.
Product update
Loan invitations now support multi-channel delivery
Send a single loan offer over SMS, email, and WhatsApp at once — and track who opened, accepted, or ignored it.
May 20264 min read
Insight
How small MFBs can cut NPLs by 30% with structured KYC
We crunched anonymised data across 200+ Nigerian lenders. The lenders with the cleanest KYC + employment data had less than half the default rate.
April 20267 min read
Guide
Setting up your branded borrower storefront in 10 minutes
A walk-through of the storefront builder — custom URL, brand colors, loan product cards, and how borrowers experience your offer.
March 20265 min read
FAQ
Questions, answered.
LoanHQ is an all-in-one digital lending platform that lets individuals, cooperatives, MFBs, and fintechs originate, manage, and collect on loans. You get a branded borrower storefront, a back-office dashboard, automated KYC, and AI-assisted credit analysis — without writing any code.
Loan companies, MFBs, individual lenders, cooperatives, HR staff-loan programs, fintechs, and digital lending marketplaces. If you lend money to people or businesses, LoanHQ adapts to your workflow.
Most lenders are live in under 30 minutes. Sign up, configure your loan products (amounts, tenors, fees, eligibility), and share your branded storefront link. No developers needed.
Yes. KYC, BVN lookup, and facial verification are built into the borrower onboarding flow. Your compliance posture is covered out of the box.
Yes. LoanHQ supports BNPL for phones, laptops, appliances, and other retail goods. We handle the borrower payments, reminders, and follow-up so sellers can focus on closing the sale.
Every repayment is logged automatically against the borrower's account. Automated reminders go out before and after due dates across email, SMS, and in-app channels. You see the full repayment history in your admin dashboard.
Pricing scales with your volume. We have plans for individual lenders managing a small portfolio all the way up to licensed MFBs running thousands of loans. See the pricing page for current tiers.
All borrower data is encrypted in transit and at rest, with role-based access control on the back office. LoanHQ aligns with industry standard practices for financial data handling.