Embedded Lending · Credit

FinOS Micro-LendingA complete lending stack — from acquisition and credit assessment to disbursement and collection.

Plug-and-play lending platform — connect lenders and borrowers at scale through automated solution and advanced AI technology.

CREDIT ENGINEMicro-LendingLIVE MATCHING$DisbursementApproved & FundedConsumerSME / BusinessBankMFI / Fintech
One platform · end-to-end lending
Credit AssessmentAI-powered
Lender MatchingBest rate
DisbursementSame-day
CollectionAutomated

See Micro-Lending in action

A short demo of the complete lending lifecycle in the platform.

Key Features

Configurable products, embedded distribution, AI underwriting and automated collections — all on one platform.

01

Full Loan Lifecycle Management

  • Application, underwriting, disbursement, repayment, collections
  • Configurable loan products (term, rate, fee structure)
02

AI Credit Assessment

  • Powered by eCreditScore for real-time risk decisioning
  • Alternative data scoring for thin-file borrowers
03

Multi-Lender Network

  • Connect to multiple lenders simultaneously
  • Best-offer routing for borrowers
04

Embedded Lending API

  • Integrate lending into any app, platform or workflow
  • White-label borrower experience
05

Automated Collections

  • Smart repayment reminders
  • Delinquency workflows and escalation rules
06

Compliance & Reporting

  • Regulatory reporting (SBV)
  • Borrower consent management

How It Works

Six steps from application to repayment, fully automated.

01
INPUT

Apply

Borrower applies via partner app or platform.

02
AI

Verify

Identity verified via eKYC.

03
KNOWLEDGE

Assess

Credit risk scored in real time via eCreditScore.

04
SENTIMENT

Approve

Lender approves and routes the best offer.

05
HANDOFF

Disburse

Funds disbursed automatically to the borrower.

06
ANALYTICS

Collect

Smart repayment reminders and collections workflows.

Use Cases

BNPL at Checkout

The Challenge

Vietnamese e-commerce shoppers increasingly abandon carts when a single upfront payment is required, yet most lack credit cards or pre-approved revolving credit lines. Retailers lose conversion and average order value while traditional banks take days to approve even small-ticket credit — far too slow for a checkout flow.

How Micro-Lending Helps

Micro-Lending embeds a real-time BNPL decisioning engine directly at the point of sale, using eCreditScore’s alternative data models to approve thin-file shoppers in under five minutes without manual underwriting. Partner merchants receive full payment immediately while the platform handles installment scheduling, reminders and collections end-to-end.

Business Impact
< 5 minCredit decision at checkout — no manual review
↑ conversionHigher cart completion for partner merchants
24/7Automated collections with zero manual follow-up

Frequently Asked Questions

Through eCreditScore — combining bureau and alternative data for real-time scoring.

Ready to implement Micro-Lending?

Talk to our team about your integration plan — we'll respond within 1 business day.

Talk to Our Team