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Lending Infrastructure

Lendvault

Turnkey lending-as-a-service infrastructure powering modern African fintechs.

app.lendvault.ng
LV
Lendvault Credit Infrastructure
Underwriting Engine • Tier-1 Microfinance Rails
● Engine Online (99.99%) NIBSS Verified
Total Capital Deployed
₦68,450,000
+₦12.2M this month
Active Facility Portfolio
342 Loans
Across 18 institutions
Default Rate (NPL)
0.8%
Industry avg: 5.2%
Collections Rate
98.4%
Automated direct debit
Real-Time Underwriting & Disbursement Stream Avg Latency: 2.4 mins
Facility #LV-8924 • SME Working Capital
Risk Engine: CRC + FirstCentral Credit Bureau Verified
Score: 785 (Tier 1)
₦4,500,000
Disbursed via NIBSS
Facility #LV-8923 • Inventory Financing
Turnover: ₦8.2M/mo verified via Mono Statement API
Score: 720 (Tier 2)
₦1,200,000
Disbursed via NIBSS

Project Overview

Lendvault accelerates time-to-market for digital lenders, commercial credit providers, and retail fintechs. Instead of spending 12-18 months engineering custom credit pipelines from scratch, businesses leverage Lendvault's cloud core to configure custom loan products, automate underwriting decisions with integrated credit bureaus, and orchestrate automated direct debit repayments.

Key Features

  • → Instant Loan Origination: End-to-end digital onboarding from identity verification (KYC/BVN) to agreement signing.
  • → Configurable Risk Scoring Engine: Real-time decisioning rules connecting CRC, FirstCentral, and credit registry checks in under 5 minutes.
  • → Automated Repayment Rails: Built-in direct debit mandate scheduling, card tokenization, and collections escalation pathways.
  • → Portfolio Telemetry & Analytics: Live dashboard tracking PAR (Portfolio at Risk), repayment velocity, and total deployed capital.

Impact

< 5 min Average Underwriting Decision
99.9% Infrastructure Uptime

Tech Stack

Next.js Go / Node microservices PostgreSQL Redis Docker / AWS