Loan management system for SME lenders and licensed moneylenders in Singapore
Loans, schedules, collections, reports and a full audit trail — hosted in a secured regional data centre, in daily use at a licensed lender since 2019, and priced for SME moneylending firms rather than for banks. Available white-labelled under your own brand.
No credit card · Workspace in 10 minutes · Cancel anytime
Records that stand up to a MinLaw inspection
Singapore licensed moneylenders must keep accurate loan and repayment records for each borrower and produce them on request. CLMS Cloud keeps every loan, instalment and payment with a timestamped audit trail, so you can show exactly what was charged and when it was paid. Late charges and extension interest are recorded as their own payment types, never folded into principal.
The loan register and collection reports are exportable to CSV; the ageing report groups overdue accounts by days outstanding; the monthly snapshot shows how each month's loans are performing. Reports are scoped by user role, so a collector never sees the whole book.
Customer files — NRIC, agreement, income proof — are stored per customer in private object storage and served only through the app after login. Deletions go to a recycle bin; only the owner can purge.
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
Questions from Singapore moneylenders
Where is the data kept?
In a secured data centre hosted in the region matching your business location, with nightly encrypted backups.
Can I restrict what each staff member sees?
Yes. Levels plus custom roles built from capabilities × team scope; per-user agent access; a time-window option that only shows new staff customers registered in the last X hours.
Does it support SGD?
Each workspace is set to its own currency at activation; SGD is supported.
How do we migrate from our current system?
Export customers and open loans to Excel and send them to us; on Growth and Scale we load them before go-live.
Can it carry our own brand?
Yes — the White Label OEM option puts your firm’s name, logo, colours and domain on the whole system, deployed and maintained by ES Vision. Quoted per project; contact sales for details.
See it on your own loan book
20-minute demo on WhatsApp or Google Meet, or start a free workspace now.