Loan management software for SME lenders and licensed moneylenders in Malaysia
CLMS Cloud has run a KPKT-licensed moneylender in Kuala Lumpur day to day since 2019 — loans, agents, collections, reports and audit in one system. Now available to every SME lender, pawnshop and instalment business in Malaysia — as a subscription, or white-labelled under your own brand.
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Built for the Moneylenders Act 1951 way of working
Malaysian licensed moneylenders book loans with the interest agreed up front, hand the borrower a repayment schedule, and collect through agents who visit customers daily or weekly. CLMS Cloud follows exactly that flow: the loan form calculates front interest, deposit and capital out in real time, produces the instalment schedule (分期表) that you can send to the customer as an image on WhatsApp, and the collection round shows every agent what is due today and what is in arrears.
Late charges and extension interest are separate payment types, so they never get mixed into principal. Bad-debt accounts stay open for recovery money. Every change is written to the audit log with the user and time — useful when KPKT or your auditor asks how a figure came about.
The loan register, ageing and collection reports export to CSV in a layout your accountant can drop straight into the year-end file. P&L and cash-flow reports combine interest, expenses, payroll and owner capital, so you see the whole company, not just the book.
What you get
- ✓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
Malaysian lenders, Malaysian languages
Your staff can switch the whole app between English and 中文 (and ភាសាខ្មែរ for Cambodian branches). Amounts are in RM. Support is on WhatsApp in English, Bahasa Malaysia and Chinese during Malaysian office hours.
Data is hosted in a secured data centre in the region matching your business location, with nightly encrypted backups. Customer files (IC, agreements, photos) sit in private object storage and are only served through the app after login.
Questions from Malaysian lenders
Does it handle the front-interest ("potong dulu") loan model?
Yes — that is the model it was built on. Interest is entered as an amount deducted up front; the schedule is generated from the instalment plan you choose (daily, weekly, monthly or a mix).
Can my agents use it on their own phones?
Yes. It installs as an app (PWA) on Android and iPhone. Each agent sees only their own customers unless you give wider access.
We have 3,000 customers in Excel. Can you migrate them?
Yes. Send us the file; on the Growth and Scale plans we load customers and open loans before you go live.
What does it cost in RM?
Plans are USD 49 / 129 / 659 per month, paid in RM at checkout; yearly plans get two months free. Licensed moneylenders with more than one licence can ask about the multi-company Scale plan.
Can we run it under our own company name and logo?
Yes — the White Label OEM option. ES Vision sets the system up under your lending company’s brand, colours and your own domain, then hosts and maintains it. It is quoted per project rather than at a list price, so contact our sales team for details.
See it on your own loan book
20-minute demo on WhatsApp or Google Meet, or start a free workspace now.