“We recommend MicroF1 specialists as experienced IT professionals who are able to solve any technical challenges in the fintech sphere… We are quite pleased with the cooperation with them. Interaction with colleagues from MicroF1 allowed us to automate our activities based on the new solution ‘MicroF1 3.0 CRM for collection’. The software meets our main requirements and takes into account the specifics of working with clients and partners.”
MFI solutions, loan applications, online payments, scoring, fraud prevention, billing, collection, CRM, BI
Win over competitors in a technical arms race
Deploy and adapt software modules for digital lending
Take care of business relevance and growth

- The website and personal account of the borrower (client portal)
- Extensive credit products settings
- Application settings
- Pairing with popular CPA networks and other traffic sources
- Integrations with Credit Bureaus: UBKI, MBKI
- Anti-fraud and Blacklist service
- Remote identification: BankID, Facebook
- Verifier workstation, internal blacklist
- Decision support system and scoring, integrations with Vodafone Big Data Scoring and Risk Tools
- Connection with PrivatBank, Platon, Procard, Fondy, UPC, PayCore.io, and other payment processing
- Support for PrivatBank, City24, 2click networks of cash payment terminals, Pogashay.ua service
- Recurring payments settings and calendar
- Automation of mailings and communications, including SMS, email, IVR, IM chatbots (Telegram)
- Management of tasks and reminders
- Distribution of clients/applications/loans by employees, taking into account the workload
- Lead management and call tracking
- Notifications to employees when paying/changing the loan/logging into the account, etc.
- Integrations with CRM Bitrix24, IP-telephony Asterisk
- Promo codes and discount system
- ‘Invite a friend’ referral program
- Analytics: 18 reports and Business Intelligence subsystem Metabase
- Own API for developers
- Debt collection support, collection status & tag management
- Credit debts sales
- Credit accrual of your collection agency
- Role-based access control
- Users actions logs
- Documents editor: loan agreements, supplementary agreements, references…
- Integrations with Sender messenger, Corezoid OS
- Streaming archiving

- Competent selection of a payment service provider
- Integration with a payment service
- The best conditions for online acquiring
- Several payment service providers: Platon, Procard, Fondy, Interkassa, UPC, etc.
- Building your payment service provider
- One gateway — several banks, more successful payments
- All popular online payment methods: Visa, Mastercard, American Express, Privat24, MasterPass, Google Pay, Apple Pay
- Instant payments via SMS (mobile commerce)
- QR code payment
- ATM cash payment terminal
- Cryptocurrencies: Bitcoin, Advcash, Ethereum, Ripple, etc.
- Opening a high-risk merchant account
- Card payments in Android and iOS apps, payments in messengers (Facebook Messenger, Telegram, etc.)
- Easy to connect: integration plugins for popular CMS, mobile SDK and our help
- Secure: PCI DSS, Visa PIN Security, SecureCode, 3D-Secure
- Two layers of support: integrator and provider
- Useful tools: 1-Click method, recurring billing, transaction monitoring, extended account registry, etc.
- Extended anti-fraud module
- Flexible adaptation to the requirements of your multi-channel business model

Ninja Lender significantly reduces the known inefficiency of the lending market, offering rejected loan applications to credit institutions with different risk models. Approximately 15% out of 1B rejected loan applications have value because these loans are given out to borrowers by other financial institutions later on. We develop the only marketplace where lending companies can buy & sell turned-down applications online. We provide a flexible solution with an auction and universal template Wizard that easily portable to other systems and bank software via API.
- Increase your client database quickly and cheaply because of the new purchase channel
- Reduce customer acquisition cost by selling turned-down loan applications to other credit institutions
- An alternative loan channel for declined customers
Ninja Lender is a Fintech startup company based in Estonia and Poland, originally from Ukraine.
Ninja Lender team graduated from two famous European acceleration programs in Riga (Latvia, 2019) by Startup Wise Guys and Warsaw (Poland, 2020) by Huge Things.

Agile and feature-rich architecture

Automate every step of online lending

Fighting bad loans
“We recommend colleagues from MicroF1 as strong professionals. Their developers and other IT experts have confirmed in practice a high level of expertise in the development and implementation of software solutions for financial companies. Long-term cooperation with partners from MicroF1 allowed us to automate our activities, to digitize part of important business processes based on cutting-edge web technologies. Software development took into account not only the features of our industry, but also the specific characteristics of our organization.”
“We recommend MicroF1 and their specialists: managers, developers and consultants. Their competencies and speed have been successfully tested by us in practice! During our long-term collaboration, colleagues from MicroF1 implemented a new CRM solution for retail and wholesale based on cutting-edge web technologies. The development was based on our specifics, online and offline components of the business.”
“MicroF1 software has successfully closed all questions on setting up credit packages, decision support, scoring, integrations with banks and payment providers, credit bureaus, CRM and collection work, reports and business intelligence. Blacklists, verification algorithms, document and message templates, access control, and other important aspects are developed at a high level. The software package is regularly updated and it becomes easier and better with every new release.”
“We recommend online microcredit solution MicroF1 and their team of specialists: developers and implementers. Service and software development recently covered the following areas:
- integration update on changes of the Platon payment system protocols;
- changes in the personal account of the borrower, increasing usability, new parameters of the loan application;
- software updates, integration updates with the credit bureau UBKI;
- user consultations, server maintenance, security issues, etc. ”
“The developed and constantly improved electronic document management and accounting system fully meets our needs and has allowed us to achieve high efficiency of interaction with our customers. Separately I would like to note the efficiency of developers and the high speed of response to our requests and wishes. Qualified employees of MicroF1 showed their competence not only in the field of software development, but also helped in the analytical and management issues of microcredit business.”
“During our joint work, MicroF1 specialists performed all the work strictly in accordance with the schedule, conditions and requirements under the contract. After completion of the implementation job, the company’s employees responded promptly to our requests, developed our system on order, shared their experience and best practices during the whole period of the system maintenance.”