For MD-licensed money lenders · Akta Pemberi Pinjam Wang 1951
Collections that don't burn out
your team.
Bolehlah for KPLW-licensed money lenders. Without ANGKASA salary deduction, you live on cash collection — which means phones, polite patience, and Sunday evenings reconciling. We replace the grind with one Officer that handles 95% of nudges on WhatsApp, with empathy. ~RM 3,500/mo of part-time staff cost replaced. 30-day free pilot, no card.
KPLW licence-aware · WhatsApp + Telegram · DuitNow / FPX / Stripe rails · CTOS + CCRIS direct
What we built for KPLW lenders specifically
Generic platforms pretend money lending is the same as koperasi lending. It isn't — you don't have salary deduction, you have cash flow exposure, and your KPLW licence is your franchise.
Cash collection burns out your team
Without ANGKASA salary deduction, every late instalment is a phone call. Collections Officer drafts the empathetic WhatsApp nudge, escalates only when needed, suggests payment plans your CS lead can approve in 1 tap.
KPLW licence renewal is annual paperwork
Our Money-Lender Compliance Officer (Nurul Aida) tracks your licence expiry, drafts the KKR renewal cover letter, audits your AKAD batch for the required signatures + Section 8 disclosure. Audit-day stress, gone.
Fraud detection is mostly gut feel
Underwriter Officer pulls CCRIS + CTOS, flags special-attention codes, runs DSR + capacity checks against ANGKASA in-transit applications, surfaces 3 reasons per recommendation. You decide; we show our work.
Borrowers ghost you between payments
Member portal + WhatsApp B keeps borrowers engaged: payment reminders 3 days early, AKAD walkthrough on demand, document upload from phone camera. Less ghosting, lower NPL.
Built for the MD-lender reality
WhatsApp-first collections
B handles payment reminders, soft nudges, and payment-plan offers in BM/Chinese/English. Your CS lead steps in only for the 5% that need a human voice.
DuitNow + FPX + Stripe rails
Disbursement via CommercePay (same-day) or Razer Payout. Borrower repayment via DuitNow AutoDebit, FPX, or card fallback. Reconciled into the loan ledger automatically.
AKAD chain that survives audit
Tamper-evident e-signatures, Section 8 cost disclosure on every loan, all 4 required signatures captured. Your KKR audit becomes a 1-day exercise instead of a 1-week scramble.
MD compliance officer · always-on
Per-tenant licence health, daily KKR/MOH circular sweep, monthly AKAD audit, expiry calendar with 30/14/7-day Telegram alerts. Nothing slips between renewal cycles.
Cash position visible in real time
Disbursements, collections, and float — all on /client/dashboard. Manager-tier Officers can flag a cash-flow risk before your bookkeeper finishes their morning coffee.
Underwriting that learns your appetite
Your golden cases (good loans you'd approve, bad ones you'd reject) seed the Officer. After ~50 decisions it matches your judgement on ~85% of files. You handle the edge cases.
Pricing that fits cash-flow lenders
Most KPLW lenders we onboard land on Starter or Growth. The free 30-day Pilot lets you measure the collections lift before you commit to a monthly plan.
Starter · Member Care
Existing book · up to 1,500 members · replaces ~RM 72K/yr of CS + admin
RM 2,400 / month · RM 28,800 / year · RM 80 / day
- B handles WhatsApp questions 24/7
- Member database scan + owner alerts
- MD compliance vault
- No loan origination yet
Growth · Operations
Up to 25,000 members · replaces ~RM 720K/yr of loan-ops + CS
RM 24,000 / month · RM 288,000 / year · RM 800 / day
- Everything in Starter
- Loan origination · eKYC · AKAD
- Parallel collections + underwriter
- Named CSM + collections playbook
Lumpy disbursement months? See Pay-as-you-grow — 1.5% of disbursed, no fixed monthly.
Measure the lift on your own book.
30-day Pilot, 100 free decisions, no card. We give you 1 Collections Officer + 1 Underwriter Officer for the trial. Most KPLW lenders see 30-40% fewer phone-tag cycles by week 2.