Software for SME lenders and licensed moneylenders
Everything an SME lending company needs for daily operations and clean records — proven in production at a KPKT-licensed moneylender since 2019. Available as a subscription or white-labelled under your own brand.
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Why moneylenders choose it
It was not designed by a bank vendor; it was built for a moneylender's office and refined for seven years of month-ends. The loan form matches the way you already quote a loan (interest up front, deposit, instalment plan), the collection round matches the way your agents already work, and the reports match what your accountant and regulator ask for.
Records are the point: every loan, instalment, payment and status change carries a user and timestamp in the audit log. Late charges and extension interest are separate from principal. Bad debts stay open for recovery. Deletions are recycle-bin or owner-only.
Your brand, our engine — White Label OEM
If you would rather your borrowers, agents and staff never see the name CLMS Cloud, ES Vision can set the whole system up under your lending company’s own brand: your name, logo, colours and favicon throughout the app, your own domain such as loans.yourcompany.com, and branded login screens, emails, PDFs and shareable schedules.
ES Vision handles the deployment, hosting, upgrades and maintenance, so you get an in-house-looking system without an in-house IT team. A dedicated database or a fully private deployment is available where you need the separation, and reseller terms exist for lenders rolling the system out to their own branches or partners.
White Label OEM is quoted per project rather than at a list price, because scope, branding depth and hosting arrangements differ for every lender. Contact our sales team and we will put a number to yours.
Included
- ✓Loan booking with live calculation: front interest, deposit, daily / weekly / monthly instalment plans
- ✓Instalment schedule with per-term status, shareable to the customer as an image via WhatsApp
- ✓Mobile collection round (PWA app): due and overdue instalments with arrears, multi-term settlement
- ✓Payment, partial, late-charge and extension-interest types by cash, cheque or bank
- ✓Customer KYC files (IC, agreement, photos, PDF) in private cloud storage; duplicate IC/phone warning; blacklist
- ✓1–5 star customer grading that re-scores after every payment
- ✓Levels and custom roles (capabilities × team scope), per-user agent access, time-window visibility for new staff
- ✓Reports: loan register, collection, ageing, cash flow, P&L, monthly vintage snapshot — CSV export
- ✓Expenses (40 categories), staff payroll, other income and owner capital in the P&L
- ✓Telegram bot for login codes, digests and alerts; system announcements; maintenance mode
- ✓Audit log on every customer, loan, payment and status change; Data Check self-audit; nightly backups
- ✓UI in English, 中文 and ភាសាខ្មែរ; six themes; adjustable font size
FAQ
Which regulators' requirements does it fit?
KPKT (Malaysia), MinLaw (Singapore), SEC lending/financing companies (Philippines), NBC-registered operators (Cambodia). See the country pages for detail.
Multiple licences or branches?
The Scale plan runs several companies in one workspace with consolidated reports.
Can we run it under our own brand?
Yes — the White Label OEM option. ES Vision sets the system up under your company name, logo, colours and domain, then hosts and maintains it. It is quoted per project, so contact our sales team for pricing.
See it on your own loan book
20-minute demo on WhatsApp or Google Meet, or start a free workspace now.