smart lending. real impact
We empower individuals and communities through responsible financial solutions. Join us in building a brighter future.
empowering individuals, building communities
Smart Lending
Founded by an investor from Dubai (UAE) with a clear vision to become a leading microfinance institution in the Sub-Saharian region, we are dedicated to providing accessible and responsible financial solutions to underserved communities. Our commitment to social responsibility and local engagement drives us to make a real difference in the lives of our customers.
our purpose
We believe everyone deserves access to financial services that empower them to reach their full potential. Our mission is to provide responsible and accessible lending solutions to underserved communities in Sub-Saharan region, prioritizing customer-first service and building lasting relationships.
our products
We provide responsible and accessible financial solutions for individuals and businesses in Lesotho.
- 1-Government-Backed
Payroll LoansSecure and reliable loans with convenient payroll deductions. - 2-Installment LoansFlexible loan options accessible through our agents and call center.
- 3-Payday Loans (April 2025)Short-term loans designed for immediate financial needs.
why invest in us
Discover a strong investment opportunity with product-market fit, early traction, and financial discipline, leveraging a payroll deduction model for risk mitigation and scalable digital growth.
- Proven Product-Market FitWe address a significant need for accessible financial services in Lesotho, with products tailored to the specific needs of underserved segments.
- Regulatory Compliance & ReputationOur Tier 2 license ensures we operate within a robust regulatory framework, building trust and credibility with both customers and investors.
- Strong Traction & Financial DisciplineWe've demonstrated strong early growth and a commitment to responsible lending practices, ensuring sustainable financial performance.
- Low Risk & Secure ReturnsOur payroll deduction model mitigates risk, providing a secure and predictable stream of income for investors.
key facts
Explore our financial strength and commitment to responsible lending that benefits customers and the community.
100% equity-financed
Stable, sustainable, and no risky debt dependencies.
tier 2 licensed
Fully regulated and trusted by Lesotho's financial authorities.
government payroll deduction loans
Over 98% collection rate.
NEW payday loans (launching april)
Instant cash for emergencies, flexible terms.
ZAR 22 million disbursed
Demonstrating our commitment to serving the financial needs of Lesotho.
scalable operations and digital expansion
We are constantly innovating to provide convenient and accessible financial solutions.
meet our team
Our passionate team is dedicated to financial inclusion, driven by expertise and a shared vision for a brighter future.
- Janis KirsisMember of the BoardDriven by an entrepreneurial spirit, I thrive on embracing new challenges and am relentless in my pursuit of success. I believe that strong communication and a supportive environment are crucial for achieving high performance.
- Matikoe Letsie - MBAMember of the BoardVisionary and results-driven Chief Executive Officer with a proven track record of leading organizations to achieve sustainable growth, operational excellence, and strategic transformation.
get in touch
We're happy to hear from potential investors and anyone interested in learning more. Please fill out the form below to connect with our team.
info@lenderu.com
Lenderu Group Headquarters, Dubai, UAE
