Lendrail is the modern platform Nigerian finance houses use to originate, disburse, and service loans — from first application to final repayment, on one system.
A loan travels through six distinct stages, from the moment a customer applies to the day it matures. Lendrail handles each one — with the workflows and controls Nigerian lenders actually use.
Customers apply through your branded portal — business or personal. Documents upload directly; employment, guarantor, and collateral details are captured against your product rules.
Your team reviews applications through a role-specific workflow. AMs vet basics, RMs check portfolio fit, analysts run credit scorecards and DTI. Every step is logged.
Applications route to the right approvers by policy — single approvers up to a limit, credit committees with quorum above that. Every decision and override is recorded.
Credit admin runs KYC, finance approves, and the loan disburses with a full amortisation schedule generated to your product's terms — four methods supported.
Repayments post automatically. Penalties accrue on overdue balances. Customers request extensions or settle early through their portal, with fees to your policy.
Portfolio-wide dashboards, loan-level statements, and days-past-due buckets that mirror CBN classification. Every report your board or auditor needs — exportable.
Every loan product, workflow, and regulation pattern in Lendrail was designed from what Nigerian lenders actually do — not translated from an American product with a currency toggle.
Every plan includes unlimited users, unlimited products, and full servicing capabilities. You pay for the scale of your operation, not the size of your team.
Pricing above is indicative. Final quote depends on portfolio size and integration scope.
Typical onboarding runs three to six weeks — one for product configuration and workflow setup, one to two for portfolio migration if you have existing loans, and one to two for user training and go-live rehearsal. We do this alongside your team, so you own the platform when we finish.
Yes. We accept portfolio data as Excel or CSV — customer records, loan headers, and existing repayment history. Lendrail reconstructs the amortisation schedule and outstanding balances, and we validate every migrated loan against your books before go-live.
We support exports to Excel and CSV that reconcile cleanly with most Nigerian accounting stacks (Sage, Odoo, custom). Deeper integrations — direct GL posting, automated bank reconciliation — are available on Growth and Enterprise plans.
Yes. Every finance house on Lendrail runs on isolated data with row-level security enforced at the database layer. No tenant can read, write, or even enumerate another tenant's data. This is architecture, not policy.
Colours, logos, and copy are configurable from the Growth plan up. The portal always lives under your own subdomain or a Lendrail-hosted subdomain — never a generic branded page.
We run on infrastructure that powers a lot of the modern web, maintaining 99.9%+ uptime. Your data is backed up continuously and can be exported at any time. We publish a status page and post-mortems for any incident.
Fifteen minutes on a call. We'll show you how Lendrail handles your current process — and where it removes the friction you didn't realise you were carrying.
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