For finance companies and MFIs
You lend for a living. The decision is where you win or lose.
Finance companies and micro-finance institutions carry the risk appetite and the mandate to serve customers banks refuse. What they usually lack is the decisioning and the distribution to do it at scale.
What we hear
Three constraints, in every conversation.
- Manual underwriting that does not scale
Every application costs analyst time, so growth means headcount and the marginal loan gets slower rather than cheaper.
- Collections that depend on memory
Repayment relies on a customer remembering, which shows up as arrears handling cost and an unpredictable cash flow.
- Thin files everywhere
Most applicants have no bureau record. A single cut-off refuses them, and someone else writes the loan.
Where to start
Approve, restructure or decline, with the steps in between a single threshold cannot express. Trained on your book.
A platform built for your asset class and structure, including Shariah-compliant instruments, with merchant-led origination.
Modernize origination, underwriting and collections module by module, on the systems you already run.
Recurring mandates and pre-authorisation, so instalments collect themselves instead of relying on a customer to remember.
Under a share-of-upside model, Maly funds the build, integration, hosting and product operations. You commit no capital expenditure and add no headcount.
Start the conversation
Start with your constraint, not our roadmap.
Tell us the license you hold and where the value leaks. We come back with a scope, a timeline and a commercial model.