The Smart Lending Platform
Built for Sri Lankan Micro Lenders
Automate loan origination, collections, KYC compliance, and CBSL reporting.
One powerful platform for your entire micro finance operation.
150+ MFIs & cooperatives across Sri Lanka
Everything Your MFI Needs
in One Platform
From loan origination to collections, compliance to analytics — purpose-built for how Sri Lankan micro lenders operate.
Loan Origination & Management
Configure any loan product — individual, group, SME, or agricultural. Automated interest calculation with flat rate, declining balance, or reducing balance methods.
- Configurable loan products
- Group & individual lending
- Automated disbursement workflows
- Flexible repayment schedules
Borrower & KYC Management
Digital onboarding with NIC scanning and verification. Store borrower profiles, guarantors, and credit history. Full KYC/AML compliance built in.
- Digital KYC with NIC verification
- Borrower credit history tracking
- Multiple borrowing detection
- Guarantor management
Automated Collections & SMS
Send payment reminders via SMS and WhatsApp in Sinhala, Tamil, or English. Automated delinquency escalation and follow-up workflows.
- SMS & WhatsApp reminders
- Trilingual notifications
- Auto-escalation workflows
- Payment receipt generation
CBSL & MCRA Compliance
Auto-generate regulatory reports for the Central Bank and the new Microfinance and Credit Regulatory Authority. Stay compliant without manual effort.
- CBSL regulatory reporting
- MCRA Act 2025 ready
- FIU AML/CFT compliance
- Credit risk management
Mobile Field Officer App
Empower your field agents with a mobile app that works offline. Process applications, collect payments, and verify borrowers — all from the field.
- Android & iOS app
- Offline-first capability
- GPS-tagged field visits
- Real-time data sync
Analytics & Reporting
Real-time dashboards for portfolio quality, PAR analysis, disbursement trends, and collection performance. Export to PDF, Excel, or integrate via API.
- Portfolio-at-risk dashboards
- Disbursement & collection reports
- District-level analytics
- Export to PDF & Excel
Group Lending Module
Built-in support for center-meeting group lending — the most widely used model in Sri Lanka. Manage 5-member groups, joint liability, and group repayment tracking.
- Center-meeting management
- Joint liability tracking
- Group repayment schedules
- Member attendance records
Effective Rate Transparency
Automatically calculate and disclose effective annual interest rates alongside flat rates. Build borrower trust and stay ahead of rate transparency regulations.
- EAR auto-calculation
- Flat & declining balance
- Fee & charge transparency
- Borrower-facing disclosures
Integrations & API
Connect with Lanka Clear (CEFTS), CRIB credit bureau, mobile wallets (FriMi, Genie), and core banking systems. API-first architecture for fintech partnerships.
- Lanka Clear CEFTS
- CRIB credit checks
- Mobile wallet integration
- REST API for partners
Go Live in 3 Simple Steps
No complex IT setup required. Our team handles everything so your MFI can focus on lending.
Configure & Migrate
We set up your loan products, configure interest rates, import existing borrower data, and train your team — typically within 2 weeks.
Start Disbursing
Your officers begin processing loans on day one. The intuitive interface means even first-time users are productive within hours, not weeks.
Scale With Data
Use real-time analytics to reduce PAR, optimize collections, identify high-risk borrowers, and grow your portfolio with confidence.
Trusted by MFIs
Across Sri Lanka
"Lendivo transformed our operations. We reduced loan processing time from 3 days to 3 hours. The CBSL compliance reporting alone saves us a full week every quarter."
"The mobile field officer app changed everything. Our agents collect payments in the field and sync instantly. We cut our PAR from 8% to under 3% in six months."
"We run 3,000+ group loans across 12 districts. Before Lendivo, everything was in spreadsheets. Now our entire operation runs from one dashboard with real-time data."
Simple, Transparent
Pricing for Every MFI
All prices in LKR. No hidden fees. No per-transaction charges. Cancel anytime.
Starter
For small MFIs and cooperatives just starting their digital journey.
- Up to 500 active loans
- 3 user accounts
- Loan origination & management
- Borrower KYC management
- SMS reminders (500/month)
- Basic reports & dashboards
- Email support
Professional
For growing MFIs that need full-featured lending operations.
- Up to 3,000 active loans
- 15 user accounts
- All Starter features
- Mobile field officer app
- Group lending module
- CBSL compliance reports
- Collections automation
- CRIB integration
- SMS & WhatsApp (2,000/month)
- Priority phone support
Enterprise
For large NBFIs, licensed MFIs, and multi-branch operations.
- Unlimited active loans
- Unlimited users
- All Professional features
- Multi-branch management
- API access & integrations
- Lanka Clear CEFTS
- Custom reporting
- Dedicated account manager
- On-site training & setup
- 24/7 priority support
All plans include free onboarding, data migration, and staff training. Local Sri Lankan support included.
Ready to Modernize
Your Lending Operations?
Join 150+ Sri Lankan micro finance institutions already running smarter with Lendivo. Get a free demo tailored to your operation.
See Lendivo in Action
Watch how Lendivo simplifies lending operations for Sri Lankan micro finance institutions.
Lendivo — Full Platform Demo