Built for SME lenders in Southeast Asia · MY · SG · ID · PH · TH · VN · KH
Built for small and medium enterprise (SME) lending companies. Loan booking, instalment schedules, daily collection rounds, customer KYC files, agents and roles, expenses and P&L — in one cloud system your staff use from a phone. Replace the Excel sheets and chat screenshots.
No credit card · Set up in 10 minutes · Cancel anytime
| Loan | Customer | Agent | Due | |
|---|---|---|---|---|
| WY26-02409 | Ahmad F. | Kumar | RM 600 | Paid |
| WY26-02410 | Lim W.K. | Mei | RM 1,200 | Today |
| WY26-02388 | Siti N. | Kumar | RM 450 | 3d late |
| WY26-02401 | Tan B.H. | Ravi | RM 900 | Paid |
Every SME lender we meet has the same four problems. CLMS Cloud was built inside a real lending company to fix them.
Agents post payments from their phone; the office sees them live. Payment lists with cash-basis totals per agent, per day.
Ageing report, collection round with arrears, bad-debt flagging with recovery tracking — updated the moment a payment is posted.
Every customer, loan, payment and status change is logged with who and when. Deletions are recycle-bin or owner-only.
Interest, expenses, payroll, other income and owner capital in one P&L and cash-flow report, month by month.
Every module below is in daily use today. Switched on per plan, no custom development to start.
Book a loan in minutes with live calculation: front interest, deposit, and instalment plans in any mix of daily, weekly or monthly terms. Schedule table with per-term status; share it to the customer as an image via WhatsApp.
Installs as an app (PWA) on Android or iPhone. Collection round shows due and overdue instalments with arrears; settle several terms in one submit. Payment, partial, late charge and extension-interest types, by cash, cheque or bank.
IC, agreements, photos, videos and PDFs stored in private cloud storage per customer. Duplicate IC/phone warning, blacklist flag, dated remarks, 1–5 star customer grading that re-scores itself after every payment.
Super Admin, group manager, manager and staff levels plus custom roles built from capabilities × team scope. Per-user agent access, time-window visibility for new staff, staff directory with payroll (salary, advance, payback).
Loan register, collection, ageing, cash flow, P&L and monthly vintage snapshot, plus legacy daily/monthly summaries. Column chooser, definitions panel, CSV export for your accountant or regulator.
Login and password-reset codes, job digests and alerts delivered by Telegram. System-wide announcements banner, in-app notifications and a maintenance mode for month-end.
Full audit log of customer, loan, payment and status actions. Data Check self-audits loan and payment invariants with one-click fixes; System Health shows backups, storage and database growth.
40 expense categories with agent scoping, rental and interest income, owner capital in/out — so the P&L reflects the whole business, not just the loan book.
bcrypt passwords, signed sessions, bot protection on login, parameterised SQL, private file storage, nightly backups. UI in English, 中文 and ភាសាខ្មែរ with six themes and adjustable font size.
SME = small and medium enterprise. CLMS Cloud is sized for lending businesses that run on people, not on a bank IT department — from a single licensed branch to a group of companies under one roof.
KPKT (Malaysia), MinLaw (Singapore), SEC-registered lending companies (Philippines), NBC-registered lenders (Cambodia). Loan register and ageing shaped for your returns.
Monthly-interest tickets, item photos in the customer file, extension interest and bad-debt handling.
Vehicle and equipment instalments with deposit, schedules and agreement files per customer.
Daily and weekly collection rounds, field officers on mobile, agent-scoped reports.
Company name, country and your work email. We create your private workspace: yourcompany.clms.cc.
Click the link in your email. Set your password and currency. Optional: invite your staff.
Send us your existing customer and loan list and we load it for you, or book your first loan by hand.
Agents add the app to their home screen and start posting payments the same day.
2 months free on yearly plans. Prefer the system under your own brand? See White Label OEM.
Prices shown in
$49/mo
Up to 300 active loans · 3 users
$129/mo
Up to 2,000 active loans · 15 users
$659/mo
Unlimited loans · 50 users · multi-company
Custom quote
System setup under your lending company’s own brand
Quoted per project — no public price
Need self-hosting, a one-time licence, or the system under your own brand? Ask us about White Label OEM.
"Month-end used to take a week of chasing agents. Now the collection round and the reports are already there."
— Operations Director, licensed moneylender, Kuala Lumpur (customer since 2019)
Yes. It has run a KPKT-licensed moneylender's daily operations since 2019: front-interest loans, instalment schedules, late charges, loan register, ageing and collection reports, and a full audit trail.
Malaysia, Singapore, Indonesia, Philippines, Thailand, Vietnam and Cambodia. The app UI is available in English, Chinese and Khmer; each workspace sets its own currency and time zone.
Sign up with your work email, verify it, and your own private workspace is created. No credit card. The trial lasts 14 days; keep your data when you subscribe.
In a secured data centre hosted in the region matching your business location, with customer files in private object storage and nightly encrypted database backups.
Yes — that is the White Label OEM plan. ES Vision sets the system up under your lending company's name, logo, colours and your own domain, and keeps hosting and maintaining it for you. Pricing depends on scope, so contact our sales team for a quote.
Yes — send us your customer and loan list (Excel or an export from your old system) and we load it into your workspace before you go live. Included on Growth and Scale.
Tell us what you need and we’ll reply within one business day.