Every feature, every microlender. No gating.
No packages, no upgrades, nothing locked behind a bigger plan. You pay a simple base on your active loans, and every feature is included for every microlender.
LendCore, everything included
One plan for everyoneAn active loan is any loan that is live or in arrears in the month.
Included for every microlender, no upgrade needed:
- ✓ NAMFISA compliance suite (used to be Starter+)
- ✓ Credit-bureau integration (used to be Starter+)
- ✓ Automated payment gateway + debit orders (used to be Starter+)
- ✓ Fraud engine + watchlists (used to be Growth+)
- ✓ Full loan origination, offers + acceptance
- ✓ Collections workbench + complaints
- ✓ Underwriting, affordability + reporting
- ✓ Public website + borrower portal
- ✓ Branch management + role-based permissions
- ✓ Email notifications, audit trail, backups
Every feature is included. Nothing is locked behind a bigger package. Who on your team can use each module is controlled by staff role, not by your plan.
Transparent rail rates
The base covers the platform. When you actually send a message, pull a bureau report, or collect a debit order, a small pass-through platform fee applies. These are the only usage charges, and they are all published here.
| Rail | What you pay | Platform fee |
|---|---|---|
| Debit-order collection | Per successful debit-order collection | N$4 |
| Credit-bureau pull | Per successful bureau report | N$5 |
| Affordability screen | Per affordability check | N$5 |
| Fraud screen | Per fraud check | N$8 |
| WhatsApp message | Utility / marketing Free during launch | N$0.85 / N$1.20 |
| SMS | Per 160 characters Free during launch | N$0.55 |
| Marketing email / OTP + transactional email Free during launch | N$0.35 / Free |
Every plan includes 10 free message credits per active loan each month before per-message rates apply. WhatsApp, SMS and email messaging is included and not yet billed during launch; the per-message rates shown above take effect from a later date, which we will announce in advance. Bureau and payment providers (Creditinfo, TransUnion, PayM8, RealPay, Collexia) bill their own usage to your own accounts. The figures above are the LendCore platform fee only.
Genuinely optional add-ons
Only these two sit outside the plan, because they are extras, not core features. The NAMFISA compliance suite itself is included for everyone, so there is no compliance add-on to buy.
| Add-on | What you get | Price |
|---|---|---|
| White-label borrower portal | Custom domain, your branding, no LendCore mark | N$750 / mo |
| Premium support | 4-hour response SLA, dedicated WhatsApp channel | N$1,500 / mo |
Common questions
Are any features locked behind a bigger plan?
No. There is one plan and every feature is included. NAMFISA compliance, the credit bureau, automated debit orders and the fraud engine are on for every microlender, with no upgrade to unlock them. Who on your team can use each module is controlled by staff role, not by your plan.
How is the base worked out?
N$18 per active loan per month, where an active loan is any loan that is live or in arrears in that month. The base is never less than N$900 and never more than N$9,900, so a large loan book stays predictable. There is no separate per-loan-disbursed fee.
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 published platform fee on top (N$5 per successful bureau pull and N$4 per successful debit-order collection) 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.
Is there a trial?
No trial to sign up for. Your first month is simply free: no base fee while you onboard. You only cover your own bureau and payment provider costs (Creditinfo, TransUnion, PayM8, RealPay, Collexia, all independent of LendCore) on anything you actually use. From month two the per-active-loan base applies.
I am already a LendCore customer. Does my price change?
No. Existing customers keep their current plan and pricing exactly as agreed. The everything-included plan applies to new signups. We never silently re-price a live customer.
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.