Lendrail is the software Nigerian finance houses use to originate, disburse, and service loans. From first application to final repayment, on one platform.
| # | Due | Principal | Interest | Total |
|---|---|---|---|---|
| 01 | 01 Sept | 140,924.17 | 60,000.00 | 200,924.17 |
| 02 | 01 Oct | 145,151.90 | 55,772.27 | 200,924.17 |
| 03 | 01 Nov | 149,506.45 | 51,417.72 | 200,924.17 |
| 04 | 01 Dec | 153,991.65 | 46,932.52 | 200,924.17 |
| 05 | 01 Jan | 158,611.40 | 42,312.78 | 200,924.17 |
| 06 | 01 Feb | 163,369.74 | 37,554.43 | 200,924.17 |
| 07 | 01 Mar | 168,270.83 | 32,653.34 | 200,924.17 |
| 08 | 01 Apr | 173,318.95 | 27,605.22 | 200,924.17 |
| 09 | 01 May | 178,518.52 | 22,405.65 | 200,924.17 |
| 10 | 01 Jun | 183,874.08 | 17,050.09 | 200,924.17 |
| 11 | 01 Jul | 189,390.30 | 11,533.87 | 200,924.17 |
| 12 | 01 Aug | 195,072.01 | 5,852.16 | 200,924.17 |
A loan travels through six distinct stages, from the moment a customer submits an application to the day the loan matures. Lendrail handles each one, with the workflows and controls Nigerian lenders actually use.
Customers apply through your branded portal. Business or personal, individually or on behalf of a company. Documents upload directly. Employment, guarantor, and collateral details are captured against the decision rules you set for each product.
Your team reviews applications through a role-specific workflow. Account managers vet the basics. Relationship managers check portfolio fit. Analysts run credit assessments — DTI, income verification, scorecards. Every step is logged.
Applications route to the right approvers by policy. Single approvers for facilities up to your CEO's limit; credit committees with quorum requirements above that. Every decision, every override, every comment is recorded against the application.
Credit admin runs KYC and compliance checks. Finance approves. The loan disburses with a full amortisation schedule generated to your product's terms — equal installment, equal principal, interest-only, or bullet.
Repayments post to the right periods automatically. Penalties accrue on overdue balances. Customers request extensions or settle early through their portal — with fees calculated to your product policy. Top-ups roll parent-loan balances into consolidated new loans.
Portfolio-wide dashboards. Loan-level statements. Days-past-due buckets that mirror CBN classification. Every report a Nigerian lender's board or auditor needs — exportable to Excel or PDF.
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. Ask us for a walkthrough.
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 to bring across, and one to two for user training and go-live rehearsal. We do this alongside your team, not for them, 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 from what you give us. 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 posting to your GL, automated bank reconciliation — are available on Growth and Enterprise plans on a case-by-case basis.
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. Backups are per-tenant. 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 Vercel and Supabase — infrastructure that powers a lot of the modern web. Both maintain 99.9%+ uptime independently. 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.
Book a demo