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Run a loan book from origination to repayment.

Lenders, products, origination, offers, disbursement and servicing.

Next. Lending is built and on its way to Live. Tell us if you need it, and we'll tell you honestly when it will be ready for you.

Talk to us about lending
Illustrative
Why it matters

What it will change.

Most lenders stitch together a loan management system, a disbursement provider and a collections tool, then spend their days reconciling the three. Every new product means another integration.

Lending on Bridge will run loans on the same ledger as accounts and payments. Lenders will set up their loan books and products, take applications, make offers, disburse to any bank and service loans through to repayment, with scoring and identity from the same platform.

Collections, IFRS 9 provisioning and credit lines are not built yet; we'll say plainly what is ready when you talk to us.

How it works

Step by step.

  1. Set up the lender

    Lenders and their loan books, so every loan's funding is clear.

  2. Define products

    Amounts, tenors, pricing and eligibility per product.

  3. Originate

    Applications with identity, consent and a score from the same platform.

  4. Offer and disburse

    An offer the borrower accepts, then disbursement to any bank, name-checked.

  5. Service

    Repayment schedules and repayments posted to the same ledger.

What it will do

Built in, not bolted on.

Lenders and books

Several lenders and books on one platform, each with its own funding.

Products you define

Amounts, tenors and pricing per product, without code.

Origination with identity

Applications checked against identity records and scored with consent.

Clear offers

Every offer will state what the borrower will repay and when.

Disbursement

To any bank account, name-checked before the money moves.

Servicing on the ledger

Schedules and repayments posted where the rest of the money is.

  • Lenders and loan books
  • Products, origination and offers
  • Disbursement and servicing
Use cases

How businesses could use it.

Illustrative businesses, not customers. Figures are made up to show the flow.

A microfinance bank in Abuja · Lenders & BNPL

Salary-backed loans for public servants

The bank runs salary loans on spreadsheets and a separate disbursement portal. Reconciling the two takes days every month.

  1. The bank will set up its salary-loan product
  2. Applications will be checked against identity and scored
  3. Accepted offers will disburse straight to the borrower's bank
  4. Repayments will post to the same ledger as the loan

The bank will run origination to repayment in one place, without a monthly reconciliation.

Illustrative

A digital lender serving traders in Aba · Lenders & BNPL

Working capital for market traders

Traders need ₦100,000 to ₦500,000 for stock before the festive season, repaid over three months. The lender wants decisions in minutes, not days.

  1. Traders will apply in the app with their identity already verified
  2. The lender's scorecard will set the offer
  3. Accepted offers will be disbursed immediately
  4. Repayments will be scheduled weekly to match trading

Traders will have stock money when they need it, and the lender's book will live on one ledger.

Illustrative

A lending marketplace in Lagos · Fintechs & neobanks

Several lenders on one platform

The marketplace connects borrowers to several lenders, each with its own books. Keeping each lender's money separate is its biggest risk.

  1. Each lender will have its own books and products
  2. Applications will be matched to a lender's product
  3. Disbursements will come from that lender's book
  4. Repayments will flow back to the same book

Each lender will see only its own book, and the marketplace will never mix their money.

Illustrative
What it won't do

Honest limits.

  • Collections, IFRS 9 provisioning and credit lines are not built yet.
Bridge Payments

Disburse with Bridge Payments payouts

See Bridge Payments
Who it's for

Built into these products.

Lenders & BNPL

Score, lend and collect on one ledger.

Lenders & BNPL

Questions about lending

When will lending be available?

Origination, offers, disbursement and servicing are built and on their way to Live. Collections, IFRS 9 provisioning and credit lines are not built yet.

Will it work with our own scorecards?

Yes. Credit scoring is Live today, and lending will use your scorecards for decisions.

Can we disburse to any bank?

Disbursement will go to any Nigerian bank account, name-checked first.

Related capabilities

Buy now, pay later

Live

Merchant-, platform- or funder-funded plans with many repayment rails.

Credit scoring

Live

An explainable score from scorecards you write, with shadow runs first.

Insurance

Next

Cover from licensed insurers, sold, paid and claimed inside your app.

Bridge for Business

Tell us what you're building.

We'll come back with what's live for you today, and what's next.

Talk to usRead the docs