Korevra SureLend
Lending OS · Built in Lagos
The operating system for Nigerian lending modernization.
Initialising platform…
korevra technology · surelend · interactive demo platforms

The operating system for Nigerian lending modernization.

One platform, three audiences: microfinance banks, digital lenders, and cooperative societies. If you run one of these and you're trapped on BankOne, Mambu, Excel, or paper — SureLend lets you move every loan without disturbing one borrower, then run smarter than the bank you used to compete with. We dropped Treasury, M&A, syndicated lending, mortgage securitisation, and government transparency tooling — those served audiences we're not focused on.

Audiences served
3 GA editions
Pricing from
₦150K / month
Time to live
30–60 days
Modules · stripped
7 essential
▸ Calculate your ROI Why SureLend?
Ko·
WHY SURELEND

A focused bet, not a feature buffet.

Most loan platforms try to be everything for everyone. We picked one wedge: Nigerian institutions whose technology is older than their newest competitor.

~900 microfinance banks, ~50,000 cooperatives, and a long tail of fintechs are running on BankOne, Mambu, Excel, or paper. CBN recapitalisation, FCCPC DEON, and IFRS 9 are forcing them to modernize within 18 months. SureLend is built to be the answer they reach for.

REASON · 01

Migration without trauma.

14 source connectors (BankOne, Mambu, Temenos, Lendsqr, Excel, paper). Phased migration with continuous reconciliation. 99.999% match rate before cutover. No borrower notices the switch.

REASON · 02

Regulation as feature, not friction.

FCCPC DEON, NDPA, IFRS 9, GSI, AMCON — built into the workflow, not bolted on. 98.4% adherence to ethical-collection rules means zero FCCPC complaints in production.

REASON · 03

AI you can defend in audit.

SureScore (AUC 0.842) is explainable per-decision. Fairness audit on gender, age, geography, income, disability — all 4/5ths-rule compliant. Pass any regulator's bias check.

THE FIVE NUMBERS THAT MATTER

What SureLend customers see in 12 months.

based on benchmarked Nigerian MFB outcomes
illustrative · not contractual
−65%
NPL RATIO
7% → 2.4%
−72%
CUSTOMER COST
₦5K → ₦1.4K / borrower
3.4×
OFFICER PRODUCTIVITY
100 → 340 loans / officer
−85%
DECISION TIME
7 days → 14 minutes
3.2×
PAYBACK
total ROI in year 1
ROI CALCULATOR · BUILT FOR YOUR CFO

Plug in your numbers.

Everything below recalculates as you change the inputs. Export the result as a one-page PDF for your finance committee.

YOUR CURRENT POSITION
12,000 borrowers
₦240,000
7.0%
₦5,000 per borrower
40 officers · ~300 loans/each
₦3.6M / year
THREE WAYS TO USE THIS DEMO

Pick a story. We'll walk you through.

Don't click randomly. Each story below is a guided journey through the platforms, designed for a specific buyer scenario.

STORY · 01 · 12 MIN

"Our NPL went from 7% to 2.4% in 9 months."

For: MFB or Tier-2 bank with rising NPL pressure from CBN. You'll see the AI-driven hardship cluster detection, GSI mandate orchestration, settlement calculator, and ethical-collection scripts that drove the recovery.
Collections cockpitHardship AIGSI fire consoleSettlement calcEthics monitor
Start guided tour →
STORY · 02 · 9 MIN

"How a digital lender survived FCCPC DEON."

For: digital lenders facing 90-day DEON compliance deadlines. You'll walk through borrower consent capture, ethical collection NLP scoring, audit trail, and the FCCPC reportability dashboard.
DEON consentNLP tone scanAudit trailFCCPC dashboardOmbud workflow
Start guided tour →
STORY · 03 · 8 MIN

"NIPOST Cooperative moved off paper in 6 weeks."

For: cooperative societies with 1,000–10,000 members on paper records. You'll see Esusu cycle automation, IPPIS deduction reconciliation, member portal, and the migration intelligence wizard.
Esusu/Ajo managerIPPIS reconMember portalMigration wizardGroup lending
Start guided tour →
FROM THE FIELD · DESIGN PARTNERS & PILOT CUSTOMERS

What our pilots are telling us.

Quotes below are illustrative composites of feedback from our 12 pilot customers and 6 GA institutions. Names anonymised at customer request — happy to make introductions under NDA.

"

We migrated 84,000 borrowers off BankOne in six weeks. The reconciliation pack was so clean our auditor signed off without a single follow-up. For the first time in 12 years our books are demonstrably accurate to the kobo.

FA
Head of Operations
Tier-2 MFB · Lagos · 84K borrowers · live since Q4 2025
"

FCCPC came knocking at our door for a DEON audit. We pulled the audit pack from SureLend in eleven minutes. They left with no findings. Our previous platform would have taken three weeks of legal work.

CO
Chief Compliance Officer
Digital lender · Lagos & Abuja · 142K borrowers · live since Q1 2026
"

Our Esusu cycles used to be entirely on paper. The cooperative chairman tracked everything in a notebook. Now 2,400 members can check their contribution and rotation order on their phones — and the chairman finally sleeps at night.

CT
Cooperative Treasurer
Federal-staff coop · Abuja · 2,400 members · live since Q4 2025
"

SureCollect's hardship cluster detection saved us roughly ₦142M in expected credit loss in Q1 alone. The model spotted the IPPIS salary delay pattern eight days before our credit team would have noticed it manually.

CR
Chief Risk Officer
Tier-1 MFB · multi-state · 218K borrowers · live since Q3 2025
12
PILOT CUSTOMERS
6
GA · IN PRODUCTION
₦14B
PORTFOLIO MANAGED
684K
BORROWERS SERVED
PRICING · ANNUAL CONTRACTS · USD-PEGGED FOR ENTERPRISE

No surprises. No FX shocks.

Annual contracts only. Starter and Growth tiers price in Naira; Enterprise + DFI tiers price in USD with quarterly NGN settlement at CBN reference rate to absorb FX volatility.

STARTER · COOP & MICRO
₦150K/ month · paid annually
≈ $100 / month at current CBN rate
  • Up to 2,000 borrowers
  • Originate · Service · Collect · Comply
  • BVN · NIN · 1 bureau
  • Email support
  • Self-paced training
Get started →
★ MOST POPULAR
GROWTH · MFB & FINTECHS
₦750K/ month · paid annually
≈ $500 / month · USD-peg available
  • Up to 15,000 borrowers
  • All 7 modules · all 9 roles
  • 3 bureaus · NIBSS · 2 payment rails
  • WhatsApp + USSD channels
  • Open Banking AISP/PISP
  • Shared account manager · 24h SLA
  • On-site training (2 days)
Schedule demo →
ENTERPRISE · DMB & LARGE FINTECH
$3,500/ month · annual · USD-billed
≈ ₦5.4M / month at CBN rate · NGN-settled quarterly
  • Up to 250,000 borrowers
  • Everything in Growth + dedicated infra
  • Single-tenant cluster (Lagos + Abuja DR)
  • Dedicated CSM · 4h SLA · 99.95% uptime
  • Custom integrations + core adapter
  • 5-day on-site training + certification
  • Quarterly business reviews
Talk to sales →
DFI & GOVT · WHOLESALE
Custom
RFP-style engagement · multi-year
  • Unlimited borrowers + sub-tenants
  • Multi-tenant LaaS for partner banks
  • On-premise or sovereign cloud option
  • Custom regulatory module dev
  • Dedicated team + executive sponsor
  • Donor reporting · ESG · ISSB compliance
  • Procurement-friendly contracts
Open RFP →
FX protection clause · Enterprise + DFI tiers.
USD-billed customers settle in NGN at the CBN reference rate, recalibrated quarterly. If NGN devalues by more than 15% in any 90-day window, your effective ₦ price is capped at the prior quarter's settlement rate + 15%. No FX shocks. No surprise renewals.

Seven integrated modules — everything our 3 audiences actually need.

We stripped the platform to the modules our MFB, digital lender and cooperative customers use every day. No Treasury, no syndication, no DFI ledger, no government transparency portal — those were show-features. The seven below are real, shipping, and used in production.
M · 01
ORIGINATE
Web · mobile · USSD · WhatsApp · agent · API · 6 channels
M · 02
DECIDE
SureScore AI · 3 bureaus · 300+ signals · explainable
M · 03
DISBURSE
NIBSS NIP · wallets · agent cash-out
M · 04
SERVICE
Schedules · top-up · restructure · BillsPay+ rev share
M · 05
COLLECT
SureCollect · GSI · ethical · field ops · settlement
M · 06
COMPLY
FCCPC DEON · NDPA · CBN MFB return · IFRS 9 ECL
M · 07
ANALYZE
Vintage · roll-rate · cohort · what-if · officer attribution
○ ROADMAP
Treasury · ALM
Q3 2026 · for Tier-2 banks
What we removed (and why): Treasury Console, Vendor & Asset Pay, GOVERN Suite, CREDICORP Programs, NMRC UUS Tranche, MMFL Foreclosure, PFI Ledger, DFI Impact, YouthCred, Public Transparency Portal, Open Banking as a top-level module. These served audiences we are not focused on (Tier-1 banks, mortgage banks, DFIs, government). The roadmap surfaces them again in 2026-27 only when we have design partners.

Three editions built and shipping today. Five more on roadmap.

We picked our wedge. The 3 editions below are GA — full feature parity, in-production at customers. The 5 below them are vision — you can deploy on the same spine but expect tighter scope until our next release.
★ GA · GENERAL AVAILABILITY · 87% ENGINEERING FOCUS
★ E · 01
Microfinance Bank
Group · agent · MFB prudential · IPPIS · the wedge · 4 customers live · 12 in pilot
★ E · 02
Digital Lender
FCCPC DEON · BNPL · embedded LaaS · 6 customers live · 8 in pilot
★ E · 03
Cooperative Society
Esusu · Ajo · Akawo · IPPIS deduction · 2 customers live · 4 in pilot
○ ROADMAP · DESIGN PARTNERS WANTED · 13% OF TEAM
○ E · 04
Mortgage
FMBN · NMRC · NHF · target Q3 2026
○ E · 05
Finance Co
Asset finance · invoice · target Q3 2026
○ E · 06
Commercial Bank
Tier-1 partnerships · target 2027
○ E · 07
DFI
BoI · NIRSAL · target Q4 2026
○ E · 08
Government
CREDICORP · target Q1 2027

New in this buildBillsPay+ — everyone pays bills through SureLend

Bills payment is the daily heartbeat of every Nigerian financial app. SureLend embeds it deeply across every surface — for borrowers, for agents, for cooperative members, for partner apps via API.
B · 01
Electricity
IKEDC · EKEDC · AEDC · PHED · KEDCO · 11 DISCOs
B · 02
Cable & Internet
DStv · GOtv · StarTimes · Showmax · Spectranet
B · 03
Airtime & Data
MTN · Airtel · Glo · 9mobile · USSD
B · 04
Water
LSWC · KdSWB · AWSC · LWSC · state water
B · 05
Education
WAEC · NECO · JAMB · school fees · NSITF
B · 06
Government
FRSC · FIRS · NIS passport · TIN · NHIA
B · 07
Insurance & Tithes
NSITF · NHIA · health · church · mosque
B · 08
Bills-as-Data
12mo bill history feeds SureScore alt-data

Built into the platformEnterprise Intelligence — workflow, hierarchy, access, attendance

Beyond features sit the institutional muscles of a serious enterprise platform. Workflow intelligence, organogram, granular access control, GPS-anchored attendance, role-aware dashboards, intelligent reports.
I · 01
Workflow Intelligence
Designer · active · templates · audit · SLA
I · 02
Access Control
RBAC matrix · feature flags · per-user overrides
I · 03
Organogram
Org chart · reporting · span · delegation · insights
I · 04
Notifications & Broadcast
Inbox · compose · push · WhatsApp · audit
I · 05
GPS & Attendance
Geofence · clock-in · trail · roster · violations
I · 06
Role Dashboards
CEO · CRO · CFO · Head Credit · Auditor · 14 roles
I · 07
Reports Suite
36 industry · regulatory · AI-intelligent · scheduled
I · 08
Functional Settings
Users · roles · branches · integrations · agents

New in this buildMigration Intelligence — seamlessly leave any legacy system behind

From BankOne to Mambu to a battered Excel sheet — SureLend's Migration Intelligence ingests, validates, maps, runs in parallel, reconciles down to the kobo, and cuts over without disturbing a single borrower. Twelve playbooks. Fourteen source systems. Zero blackouts.
M · 01
Source Systems
14 connectors · BankOne · Mambu · Temenos · Excel
M · 02
Field Mapping
AI-suggested · 60+ mappings · custom transforms
M · 03
Data Validation
Errors · duplicates · BVN/NIN · quality score
M · 04
Test & Dry Run
1k-record sample · side-by-side · perf estimate
M · 05
Migration Cockpit
Live progress · pause · 8 worker pods · ETA
M · 06
Parallel Run
Both systems live · continuous recon · variance
M · 07
Reconciliation
Pre/post recon · sign-off · auditor pack
M · 08
Customer Comms
5 langs · WhatsApp BSP · phased · DEON-safe
The six surfaces · click any to open the live demo six platforms
dashboard · carbon-mfb-ng
W · WEB ADMIN · LENDER SIDE

The lender's command room

For the CRO, CEO, CFO, head of credit, collections, compliance, internal auditor, treasurer. 14 role-specific dashboards. 8 vertical editions. Workflow intelligence, RBAC, organogram, attendance, reports suite, GSI orchestrator, BillsPay+ ops, Migration Intelligence with 14 source connectors.
50+screens 14roles 8editions
surelend · borrower
B · MOBILE BORROWER · CONSUMER

Apply, sign, pay bills, repay

A native-feeling mobile app for the Nigerian borrower. BVN, liveness, offer, DEON consent, money in two taps. BillsPay+ hub, USSD simulator, Open Banking consent, CREDICORP YouthCred, DSR, cooperative view, statements, smart push notifications, in-app messaging with your lender.
32+screens Push+ chat 5languages
agent app · aba market
C · AGENT · BRANCH · FIELD

The agent's tablet companion

Eight roles: agent, branch manager, underwriter, loan officer, customer service, operations, internal auditor, IT support. GPS clock-in with geofencing, daily attendance log, BillsPay+ Agent, Esusu/Ajo, group lending, field recovery with route optimization, in-app messaging, broadcasts.
30+screens 8roles GPS+ geofence
partner.surelend.dev
POST
200 OK
L · PARTNER · LAAS · DEVELOPER

Lending-as-a-Service, embed in any app

For fintechs, e-commerce platforms, marketplaces, embedded-finance partners. API keys, sandbox, white-label, settlement, volume analytics. Plus Open Banking AISP/PISP endpoints, BillsPay+ API, CREDICORP partner-FI template, LaaS multi-tenant console.
22+screens 200+endpoints AISP+ PISP
ops console · korevra-internal
M · BACKEND · KOREVRA OPS

The mission control only we see

For the Korevra SRE, model team, security ops, customer success, migration consultants. Tenant fleet, feature flags, model registry, incident response, audit chain, GSI monitor, OBR health, BillsPay+ aggregator, NFIU STR pipeline, cross-tenant migration ops.
34+screens 47tenants 7migrations
support · olabisi · 12 open
S · SUPPORT · AGENT INBOX

One inbox, every channel

For the support agent and team lead. Tickets across WhatsApp, voice, USSD, email, chat. Customer 360, AI-assisted composer, KB search, wallboard, QA. Plus DEON Ombud workflow, DSR (NDPA), Section 9 Bureau dispute, BillsPay+ dispute queue, hardship triage.
18+screens Ombud+ DSR 5languages
TRUST · SECURITY · COMPLIANCE

Where your data earns its keep.

🔒
SOC 2 Type II
AUDITED ANNUALLY
📋
ISO 27001
CERTIFIED
🇳🇬
NDPC compliant
QUARTERLY ATTESTED
FCCPC DEON-listed
DLG-2024-0142
CONNECTED TO NIGERIAN FINANCIAL INFRASTRUCTURE
${''} CBN NIBSS · BVN · GSI · NIP NIMC · NIN CRC Credit Bureau CreditRegistry FirstCentral FCCPC NDPC NFIU CBN OBCMS Paystack Flutterwave Interswitch WhatsApp Business API Africa's Talking
UPTIME · LAST 90 DAYS
99.97%
→ live status page
DATA RESIDENCY
100% in Nigeria
AWS Africa · Lagos DR
PEN-TESTED
Twice yearly
External · summary on request
RESPONSE TIME · SECURITY
Under 24 hours
security@korevra.com
ABOUT KOREVRA

Built in Lagos. For Lagos.

Korevra Technology Inc. is a Nigerian-incorporated company building the operating system for Nigerian lending. Our team combines former bank technology leaders, FCCPC-experienced compliance officers, and CBN sandbox alumni — all who have lived the operational pain of running a Nigerian financial institution.

We started Korevra in 2024 because we saw the same software gap repeatedly: Nigerian MFBs and digital lenders were stuck choosing between $50K/month global enterprise platforms (built for European banks, missing every Nigerian integration), or under-built local tools that lacked the rigour of regulator-grade audit trails. We built the third option.

Today our 24-person team is split between a Lagos engineering team (Yaba) and a small commercial team (Lekki). We are funded by tier-1 African VCs and a strategic investment from a leading Nigerian DMB.

FOUNDED
2024 · Lagos
TEAM
24 people
CUSTOMERS
12 institutions
© 2024 — 2026 Korevra Technology Inc. All rights reserved.
RC: 1,847,392 · Nigerian-incorporated All systems operational