Lendsqr

Lendsqr is a cloud-based end-to-end loan management and lending-as-a-service platform for licensed lenders that supports the full lending lifecycle, from loan origination to collections.

Key capabilities include:

• Loan lifecycle workflows across origination, decisioning, approval, disbursement, and collections, designed for day-to-day loan operations and portfolio oversight.
• Multi-channel lending distribution to launch digital lending across web, mobile, USSD, and APIs, with configurable delivery options for different borrower segments.
• Loan product and application configuration, including tools to create and manage loan products and tailor application experiences for specific lending models.
• Collections and recovery tooling, with payment and collections features and Adjutor APIs such as direct debit and Karma blacklist checks to support repayment and borrower risk screening.

Available on Web, Android (Back Office app), plus APIs/SDK and USSD support.

It is designed for banks, microfinance institutions, fintech lenders, SME lenders, and HR or payroll-linked lenders that need configurable infrastructure to run digital lending without building a proprietary stack.

Notable in African markets, especially Nigeria, for its localized approach to multi-currency lending and its focus on helping licensed lenders go live quickly, backed by integrations and shared risk signals (Karma) used to identify repeat defaulters. The product explicitly states it is not a lender; it provides software infrastructure for lending businesses.

As of Jun 22, 2026, Lendsqr is rated 4.3 on Google Play from 32 reviews with 10K+ installs.