MICROF1 CRM 3.0 FOR LENDING is a modern cloud-based digital lending platform designed to launch and manage credit and deposit products. Unlike the flagship MicroF1 system, this solution is focused not on maximum out-of-the-box functionality, but on architecture, flexibility, and scalability.

The platform supports a wide range of financial products, including consumer lending, BNPL, payday loans (PDL), POS financing, auto loans, mortgages, factoring, as well as deposits and business lending. This makes it a universal platform for lending and banking infrastructure for fintech companies, banks, and embedded finance models.

Its key advantage lies in a modular HMVC architecture, enabling independent development of system components, fast integration of new products and services, and seamless scalability without the limitations of a monolithic core.

CRM 3.0 provides a lean but sufficient feature set at the level of a loan origination system (LOS), including customer management (borrowers, debtors, depositors), configuration of lending and deposit products, digital KYC (BankID, e-signature, liveness detection), fraud prevention, integrations with credit bureaus and scoring providers, payment gateways, omnichannel communications, IP telephony, analytics (BI Metabase), as well as collections and document management.

The system is designed as a platform for continuous development: an open API, multi-entity support, flexible business workflows, multi-stage funnels, and high-load readiness allow companies to rapidly adapt the system to their needs and scale operations as a cloud lending infrastructure without rewriting the core.

MICROF1 CRM 3.0 is the right choice for companies that prioritize speed of change, infrastructure control, and lower total cost of ownership — while maintaining bank-grade reliability.