Simple, fair pricing
You only pay more when you lend more. Four tiers covering cash-only starters to multi-branch lenders, with transparent per-loan fees and no surprise charges.
Cash Loan
EntryFor first-time and informal lenders disbursing cash loans without bureau or payment-gateway integrations.
+ N$25 per disbursed loan
Start the trial- ✓ Loan origination + disbursement
- ✓ Loan offers + acceptance workflow
- ✓ Borrower management + document vault
- ✓ Collections workbench + complaints
- ✓ Borrower portal + email notifications
- · No bureau integration or NAMFISA compliance
- · No NAMFISA compliance suite
- · Up to 2 staff users
- · One-time setup: N$500
Starter
For solo lenders and 1-3 person teams running under 50 loans a month.
+ N$50 per loan, + N$3 per debit-order
Start the trial- ✓ Full loan-origination workflow
- ✓ KYC + affordability + bureau checks
- ✓ Loan offers + NAMFISA returns + audit log
- ✓ Bureau integration (Creditinfo or TransUnion - bring your own credentials)
- ✓ Payment gateway (PayM8, RealPay or Collexia - bring your own credentials)
- ✓ Up to 3 staff users
- ✓ Email support (48h response)
- · One-time setup: N$1,500
Growth
Most popularFor established microlenders running 50-500 loans a month.
+ N$30 per loan, + N$5 / pull, + N$2 / debit-order
Start the trial- ✓ Everything in Starter, plus:
- ✓ Up to 10 staff users
- ✓ Branch management + permissions
- ✓ White-label borrower portal (sub-domain)
- ✓ Fraud engine + watchlists + case management
- ✓ Email + WhatsApp support (24h)
- · One-time setup: N$2,500
Scale
For multi-branch operators running 500+ loans a month.
+ N$15 per loan, + N$5 / pull, + N$1 / debit-order
Talk to sales- ✓ Everything in Growth, plus:
- ✓ Unlimited staff users
- ✓ Partner API for referrers
- ✓ Custom domain for borrower portal
- ✓ Custom reports + data exports
- ✓ Premium support (4h response, dedicated channel)
- · One-time setup: N$5,000
What modules you get
Every module visible in your microlender admin sidebar. Always-on modules are included regardless of tier.
| Module | Cash Loan | Starter | Growth | Scale | Notes |
|---|---|---|---|---|---|
| Loan applications + underwriting | ✓ | ✓ | ✓ | ✓ | Always on |
| Operational reports | ✓ | ✓ | ✓ | ✓ | Always on |
| Public website | ✓ | ✓ | ✓ | ✓ | |
| Borrower portal | ✓ | ✓ | ✓ | ✓ | |
| Collections workbench | ✓ | ✓ | ✓ | ✓ | |
| Complaints handling | ✓ | ✓ | ✓ | ✓ | |
| Email notifications | ✓ | ✓ | ✓ | ✓ | |
| Loan offers (formal offer & acceptance flow) | ✓ | ✓ | ✓ | ✓ | |
| NAMFISA compliance suite | — | ✓ | ✓ | ✓ | Starter+ |
| Credit-bureau integration | — | ✓ | ✓ | ✓ | Starter+ |
| Fraud engine + watchlists | — | — | ✓ | ✓ | Growth+ |
| Automated payment gateway (debit orders) | — | ✓ | ✓ | ✓ | Starter+ |
| Partner / referrer API | — | — | — | ✓ | Scale only |
| Custom domain for borrower portal | — | — | — | ✓ | Scale only |
| SMS notifications bundle (1,000/mo) | Add-on N$500/mo |
Want to upgrade a feature without changing tier? Talk to us — we may be able to enable it as a custom add-on.
Optional add-ons
Available on any tier. Charged per month, no commitment.
| Add-on | What you get | Price |
|---|---|---|
| White-label borrower portal | Custom domain, your branding, no LendCore mark | N$750 / mo |
| Custom NAMFISA submission pack | Pre-built templates for your specific licence type | N$500 / mo |
| SMS notifications bundle | 1,000 OTP / status SMS per month | N$500 / mo |
| Premium support | 4-hour response SLA, dedicated WhatsApp channel | N$1,500 / mo |
Common questions
What about bureau and payment gateway charges?
Each microlender uses their own accounts with the third-party providers. LendCore supports Creditinfo Namibia and TransUnion Namibia for credit bureau pulls, and PayM8, RealPay, and Collexia for payment gateway (disbursements and debit orders). Those providers bill you directly at their published rates. LendCore adds a small platform fee on Growth and Scale tiers (N$5 per bureau pull, N$2 per debit-order on Scale) to cover the integration, audit trail, and compliance records.
Is there a contract?
Yes - a Master Service Agreement that runs month-to-month. Cancel any time with 30 days' notice. Download the agreement to review before signing.
What does the trial cover?
30 days with no base subscription fee. You still pay per-loan fees on any loans you actually disburse, plus your normal bureau and payment provider costs (Creditinfo, TransUnion, PayM8, RealPay, Collexia - all independent of LendCore). After 30 days the full tier price kicks in unless you cancel.
Can I switch tiers later?
Yes. Upgrades take effect immediately and are pro-rated. Downgrades take effect at the end of the current billing period.
Do you discount for annual prepay?
10% off the base subscription on any tier if you pay 12 months upfront. Per-loan fees and pass-through markups are still billed monthly in arrears.
What happens if I miss a payment?
Invoices are due 14 days after issue. After 30 days overdue, your workspace is read-only (you keep access to data, but can't open new applications). After 60 days we suspend the workspace pending payment.
Ready to see it in action?
Watch the full platform demo, then book a call and we'll walk through your specific NAMFISA workflow.