Preview

Where LendGrid goes next

Everything elsewhere in this demo works today. This page previews what the pilot and the full platform add. The core (multi-tenant API, bigint money, loan engine, 2FA login) is already built and tested.

  1. 1

    Now · Q4 2026

    Demo & discovery

    This demo. Interviews with 15–20 MFIs. Three design partners signed.

  2. 2

    Jan–Jun 2027

    Pilot build

    Secure multi-tenant platform, field app, live payments. First partner branch goes live.

  3. 3

    H2 2027

    Paid pilots

    All three partners live. PAR and time-to-decision measured against each partner’s own history.

  4. 4

    2028

    Platform

    Data-driven scorecards, bureau and funder integrations, first regional market.

Offline field app

For officers at Mbare or in Gokwe with patchy signal. Works 7 days offline on a 2 GB Android phone.

Pilot · 2027
LendGrid FieldNo signal

Outbox

  • Shamiso Gumbo · tuckshopQueued
  • Ndlovu Women’s Group · 8 membersQueued
  • Tafadzwa Shumba · poultryQueued

ID photo · selfie · GPS · consent · 3 stall photos

Scorecards that learn from each lender

Every loan serviced on LendGrid adds an outcome. Progress toward a validated model for this lender:

Platform · roadmap
Traders (Harare)112 / 300 bad outcomes · 640 / 1,500 loans
Group loans64 / 300 bad outcomes · 410 / 1,500 loans
Farm input18 / 300 bad outcomes · 150 / 1,500 loans

A statistical model switches on per segment only after 300 bad outcomes and 1,500 observed loans. Until then the expert scorecard stays in charge. No fake AI.

Expert

Launch

Logistic

300+ bads

ML challenger

Beats champion

Pilot · 2027

PDF statements

EcoCash, InnBucks and CBZ statements read straight from PDF, with checks for edited files.

Pilot · 2027

EcoCash & Paynow, live

Disburse by EcoCash B2C. Collect through pay links, auto-matched by reference. Duplicate webhooks never post twice.

Pilot · 2027

SMS reminders at scale

Local aggregator, English/Shona/Ndebele templates, quiet hours and frequency caps.

Pilot · 2027

Security & compliance

Per-lender data isolation, 2FA, audit trail, consent records, POTRAZ-ready processing terms.

Platform · roadmap

Credit bureau API

XDS / FinCheck pulls inside the flow, plus the Credit Registry reporting file.

Platform · roadmap

Behavioural score & top-ups

Repeat borrowers scored on their own repayment history, the strongest signal there is. Automatic top-up offers.

Platform · roadmap

Agri value chains

Harvest-linked schedules, inputs in kind, off-taker deductions, group liability.

Platform · roadmap

Funder portal

Read-only, live portfolio views for DFIs and wholesale lenders, replacing monthly Excel packs.

Platform · roadmap

Embedded finance API

Agro-dealers, distributors and retailers offer credit at the point of sale, with a partner MFI as the lender.

Platform · roadmap

Regional packs

Country configuration for Zambia and Malawi: ID formats, currencies, regulators and payment rails.

What LendGrid will not do

  • • Lend from its own balance sheet or compete with its customers
  • • Read SMS or call logs from borrowers’ phones
  • • Pool data between lenders without a registered bureau partner
  • • Score on gender, religion, tribe, marital status or home district