Lending Infrastructure Intelligent Risk Technology
LendMetrics is a digital credit platform that automates risk assessment, pricing, portfolio monitoring and loan lifecycle management
60%
Improved Efficiency
3-4months
Implementation timeline
End-to-end
Credit + operations
Portfolio Snapshot
Bridge Capital Fund
Active Exposure
R215m
Weighted Rating
BB+
Probability of Default
7,43%
Risk by Product Type
Built for lenders across Africa & emerging markets
A single platform for credit risk, pricing, portfolios, and loan lifecycle management.
LendMetrics integrates and automates credit lifecycle and removes spreadsheets and fragmented tools.
Credit Risk Engine
Automated Credit Risk Analysis incorporating the four C’s of Credit i.e Character, Capacity, Capital and Collateral.
Risk-Based Pricing Engine
Real-time pricing recommendations based on risk, cost of funds, margins and tenor – with full audit trail.
Loan Lifecycle Management
Manage the full lifecycle – approval, disbursement, monitoring and settlement – in one system.
Portfolio & Exposure Analytics
Real-time view across products, sectors, off-takers and regions – with early-warning signals.
Compliance & Audit Trail
Embedded controls for approvals, user roles and audit logs – aligned to banking and credit governance.
Document & Data Intake
Centralised capture of financials, contracts, KYC and supporting documents – linked to each application.
How LendMetrics Fits Into Your Day-to-Day
A clear, structured journey from application to repayment – with risk intelligence embedded throughout.
Intake & KYC
Capture SME, off-taker & contract details.
Credit Assessment
Multi-factor scoring: contract, off-taker & supplier.
Risk-Based Pricing
Automated pricing using PD, LGD, EL & margin.
Approval & Disbursement
Delegated authority routing & payout.
Monitoring & Collections
Repayments, restructures, arrears monitoring.
Client CRM
Statements, loan views, amortisation, settlement letters & messaging.
Real-Time Portfolio & Risk Oversight
Move from static Excel views to interactive dashboards that show exposure, risk and performance by product, sector, region and counterparty – in real time.
- • Drill-down into any entity, off-taker or exposure line in a single click.
- • Track deterioration in credit score, PD or behavioural flags over time.
- • Monitor concentration limits and covenant breaches proactively.
- • Export committee-ready packs and credit review reports in seconds.
Risk Distribution
Portfolio ViewCredit Score
3.08
Probability of Default
4.28%
Expected Loss
R1.15M
Credit Rating
pA-
Technology Built for Trust
LendMetrics is engineered on a secure, resilient architecture designed for modern lenders.
Encryption Everywhere
Data encrypted at rest and in transit (TLS/HTTPS).
Atomic Transactions
Operations complete fully or rollback entirely — never partial.
Role-Based Access Control
Access aligned to roles: Admin, Credit, Ops, Collections & Client.
Audit Logging
Every sensitive action logged for compliance and governance.
Secure Cloud Hosting
Hardened servers with strict firewalls and OS security.
Backups & Recovery
Daily encrypted backups with tested restore procedures.
POPIA / GDPR Alignment
Strong privacy, consent, and secure data handling controls.
Firewall Protection
Restricted ports, intrusion detection & OS hardening.
API Integrations
Connect with ERP, accounting, and banking platforms securely.
Data Minimisation
Only necessary risk and financial fields are stored.
Secure Admin Access
SSH keys, MFA and hard controls around production access.
Uptime Monitoring
Real-time uptime, performance, and reliability tracking.
Flexible Commercial Models
Choose between a SaaS subscription or a perpetual licence, depending on how you prefer to operate and capitalise technology.
Option 1
Perpetual Licence
Large to Medium sized lenders purchase a licence to operate LendMetrics internally, with Liquital providing hosting, maintenance and ongoing support.
- • Perpetual software licence
- • Liquital-managed hosting & updates
- • Technical support and refresher training
- • Cost: Contact Us
Option 2
SaaS Subscription
Liquital hosts and manages the entire platform on the cloud, with subscription fees linked to portfolio scale and active loans.
- • Once-off setup & onboarding fee
- • Monthly subscription linked to active loan book
- • Includes hosting, maintenance & updates
- • Access for credit, risk, finance & operations teams
- • Cost: Contact Us
Why LendMetrics
Designed specifically for African and emerging-market lenders operating in high-velocity lending environments.
Built for Lending Entities
Configured for Credit Products including Term Loans, Working Capital Solutions and Bonds.
Risk & Profitability in One View
Combine credit metrics and profitability analytics, so you know which clients and deals truly create value over time.
Low-Friction Implementation
Delivered in 3-4 months with configuration, data migration support and training – without replacing your core systems.
Ready to Modernise Your Lending Stack?
Deploy LendMetrics in 2–3 months. We deploy Professional services to your offices to ensure we tailor the platform to your needs.