Hosted in Malaysia
AWS ap-southeast-5
Isolated database
A separate database for every lender
PDPA-minded
Personal data handled with care
Full audit trail
Every decision recorded and attributable
One system for the whole loan lifecycle
Each application moves through the same desks your team already works in, with the right people assigned at every stage.
Stage 1
Origination
Capture applications from agents, telesales and your public form.
Stage 2
Credit
Pull bureau reports, check affordability and record decisions.
Stage 3
Documentation
Collect, verify and sign the agreement pack for every loan.
Stage 4
Finance
Confirm funding, charges and repayment schedule before release.
Stage 5
Disbursement
Release funds with approvals and a clear paper trail.
Stage 6
Collections
Track repayments, arrears ageing and recovery actions.
Modules that switch on as you grow
Every lender gets the core workflow. Add integrations and modules when your operation needs them.
Live in three steps
Book a demo
Walk us through your workflow and we show you how CLMS fits it.
We provision your environment
A dedicated database, your branding and your domain, set up for you.
Go live with your team
Import your products, invite your staff and start taking applications.
Plans for every stage of your lending business
Every plan runs on its own isolated database. Pricing depends on your volume and modules — talk to us for a quote.
- basic
Basic
For licensed moneylenders starting out: the full origination-to-disbursement workflow with CTOS credit pulls and digital e-signature, for a small team.- Staff users
- 5
- Applications / month
- 200
- Storage (GB)
- 10
- Core lending
- CTOS live credit pull
- Digital signature
- enterprise
Enterprise
For established lenders and financing companies: every module, including the commission engine, 3CX telesales, the public application API and your own custom domain, with no usage caps.- Staff users
- Unlimited
- Applications / month
- Unlimited
- Storage (GB)
- Unlimited
- Core lending
- Telesales
- 3CX telephony
- Commission engine & payouts
- Collections & recovery
- CTOS live credit pull
- Experian credit pull
- Digital signature
- WhatsApp inbox
- Public application & leads API
- Custom domain
Questions lenders ask us
Anything else? Book a demo and we will answer it with your own workflow in front of us.
Who is CLMS for?
Malaysian licensed lenders — KPKT-licensed moneylenders, credit co-operatives and financing companies — that want one system for applications, credit, documentation, disbursement and collections.
Where is our data hosted?
In Malaysia, on AWS in the ap-southeast-5 (Malaysia) region. Your data stays in the country.
Is our data separated from other lenders?
Yes. Every lender runs on its own dedicated database, so your applicants, loans and documents are never stored alongside another company’s data.
Can we use our own domain and branding?
Yes. We can set up CLMS on your own domain with your company name and logo, so staff and applicants see your brand.
How is pricing decided?
Pricing depends on your plan, loan volume and the modules you switch on. Contact us for pricing and we will prepare a quote for your operation.
How long does onboarding take?
Typically a few weeks, depending on data migration and the integrations you need. We agree a go-live plan with you after the demo.
Book a demo
Tell us about your lending operation and we'll walk you through CLMS with your own workflow in mind. We reply within one business day.
- A walkthrough shaped around your own desks and approval flow
- A quote based on your volume and the modules you need
- A clear plan for provisioning your isolated environment