Embedded origination
A digital financing journey inside the lender’s own channels and partner platforms.
For banks and lenders
Lending that lives where borrowers are.
A SaaS lending platform for digital and embedded loan origination, from application to automated general ledger. Decisions run on the lender's own credit rules.
Portfolio
Demo lender · Malaysian ringgitTUE 06 OCT 2026
Active loans1,284+6.2% vs Sep
PortfolioRM 18.6m+3.9% vs Sep
Disbursed, OctRM 2.4m212 loans
PAR 302.1%Within policy
Disbursements RM, last 8 months
MarAprMayJunJulAugSepOct
Recent disbursements
Micro-enterprise · Kedah
Maker-checker approvedRM 15,000
Booked to GL
Maker-checker approvedRM 15,000
Booked to GL
Group loan · Sabah
Maker-checker approvedRM 42,000
Booked to GL
Maker-checker approvedRM 42,000
Booked to GL
Working capital · Johor
Maker-checker approvedRM 60,000
Booked to GL
Maker-checker approvedRM 60,000
Booked to GL
Micro-enterprise · Perak
Maker-checker approvedRM 8,500
Booked to GL
Maker-checker approvedRM 8,500
Booked to GL
FZ
Welcome backFarid Zainal
Get your loan
approved fast
Simple, secure, on your phone
Apply new loanApplyFill in your details
Upload documentsMyKad and SSM certificate
Get fundsPaid to your bank account
My loans See all
LN-2026-00412Under review
Loan amountRM 15,000.00
Term12 mo
Waiting for credit review
- Status
- Deployed with microfinance and nanofinance providers In production
- Channels
- Bank apps, partner platforms, field agents Embedded
- Lifecycle
- Disbursement to collections, 20+ standard reports End to end
- Governance
- Maker-checker, MFRS 9 (IFRS 9) aligned provisioning Built in
01Capabilities
The full lending lifecycle, on one platform.
Digital KYC and KYB
Identity checks, document capture, automated scoring and decisioning against the lender’s rules.
Loan lifecycle
Disbursement, repayment, collections, alerts and group lending, with an automated general ledger.
Field agent app
Assisted onboarding for borrowers who prefer a face to a form, beyond the main cities.
Reporting
More than 20 standard reports, plus portfolio dashboards for credit and relationship teams.
Bank-grade governance
Maker-checker approvals, full audit trails and provisioning logic aligned to MFRS 9.
02How it works
The lending journey.
- ApplyInside the lender’s app, a partner platform, or with a field agent.
- VerifyDigital KYC or KYB and document capture.
- DecideAutomated scoring against the lender’s credit rules.
- DisburseFunds released and booked to the general ledger.
- Repay and monitorRepayments, collections, alerts and reporting.
Questions
FirstMicro, answered.
Who sets the credit rules?
The lender. FirstMicro runs decisioning against the lender’s own policy and the lender owns the customer and the asset.
Can applications be referred elsewhere?
A configurable referral path can route applicants who do not yet qualify, with their consent, to an agreed partner, subject to confirmation for Malaysia.
How does it connect to our core system?
Through API or host-to-host integration, with adapters for core banking, payment rails and credit bureau checks.