Lending Infrastructure Intelligent Risk Technology
A digital credit platform that automates risk assessment, pricing, portfolio monitoring and loan lifecycle management
65%
Operational efficiency gain
3-4 months
Implementation timeline
End-to-end
Credit + operations
Showcase Profiles
Portfolio Snapshot
Demo Portfolio - Growth
Showcase data - updated Jun 03, 2026
Active Exposure
R250m
Weighted Rating
A-
Probability of Default
4.28%
Risk by Product Type
Built for lenders across Africa & emerging markets
Platform Capabilities.
A single platform for credit risk, pricing, portfolio oversight, and full lifecycle management.
Credit Risk Engine
Automated credit risk analysis aligned to the four C's of credit: 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.
Connected Credit Intelligence.
Connect verified company data, accounting records, and real-time bank activity into one credit review workflow so lenders can make faster, better-evidenced decisions.
Business Verification
Verify company registration, CIPC status, directors information, and related entity information with real-time checks.
Accounting Integrations
Connect to Xero and Sage to support accounting-led credit review, financial monitoring, and cleaner borrower data intake.
Full Xero SDK integration capability
Real-Time Bank Tracking
Use connected bank activity to monitor inflows, repayments, cash-flow movement, and early warning indicators across the loan lifecycle.
Evidence-Based Credit Review
Bring verification, accounting, and bank signals into one review layer to support stronger credit decisions and committee-ready reporting.
For Credit Teams
Stronger evidence for affordability, risk grading, and committee decisions.
For Operations
Less manual checking and cleaner verification workflows.
For Executives
Better governance, auditability, and portfolio visibility.
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
3.11
Probability of Default
4.28%
Expected Loss
R1.15M
Credit Rating
A-
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
- - Pricing: 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
- - Pricing: 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 3-4 months with hands-on professional services tailored to your lending model and operating controls.