Case Study · Fintech

Web-Based Micro-Credit Evaluation Platform

A SaaS micro-credit platform that helps micro and small lenders boost productivity and reduce risk. It evaluates loans using the INDE methodology — a proven risk rate under 3% — powered by AI models and built for easy integration with third-party tools and core systems.

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<3% Proven risk rate (INDE)
AI Credit-evaluation models
SaaS Modular, scalable platform
Overview

Smarter micro-credit decisions, end to end.

The Micro-Finances solution is a SaaS-based financial platform specialised in micro-credit evaluation, built to help micro and small businesses improve productivity and reduce risk rates. It evaluates loans using the INDE methodology, which has a proven risk rate of less than 3%.

The platform uses artificial-intelligence models to evaluate customers and allows easy integration with third-party tools and core systems. It is highly customisable, with scalable modules — each designed for a specific job:

  • Credit approval
  • Workflow management
  • Customer pre-evaluation
  • Risk assessment
  • Reporting & analytics
Micro-Credit Evaluation Platform dashboard
Key Features

Built around the way lenders actually work.

Dynamic Forms

A JSON-based form builder sits at the core of the system, so evaluation forms can be created and reshaped to match any process — no redeployment required.

  • Easy configuration out of the box
  • Apply custom themes per client
  • Admins restructure forms with a few JSON changes
Dynamic JSON-based form builder
Multi-stage evaluation process

Evaluation Process

The evaluation is split into multiple stages based on the groups of users involved, moving each application forward automatically and keeping everyone informed.

  • Executives create clients via web or mobile and submit form sets
  • Applications are interviewed and advanced automatically
  • Notifications fire on every stage change
  • Reviewer groups take decisions at each stage

Reports & Charts

The system generates reports throughout the lifecycle that reflect each client’s credit standing, then visualises them as clear graphs and charts for fast decision-making.

  • Share of credits repaid before the deadline
  • Share repaid exactly on the deadline
  • Monthly on-time repayment trends
Reports and charts module
Under the Hood

Configurable, integrated, built to scale.

User Configuration

  • Add, remove and manage users
  • Define new roles and permissions
  • Set and adjust credit limits

Architecture & Integration

  • AI models for customer evaluation
  • Easy integration with third-party tools & core systems
  • Modular: approval, workflow, pre-evaluation, risk, reporting
  • Highly customisable, scalable modules
Built With
MongoDB MySQL jQuery PHP Bootstrap JSON

Building a lending or fintech platform? Let’s talk.

Tell us about your credit, risk, or workflow requirements — we’ll show you the fastest path to a production-ready platform.

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