We are a fintech software company

MFI launch, loan applications, scoring, fraud prevention, online payments, billing, collection, CRM, BI
Digital Core For Business

Use the best lending solutions

Product Implementation

We optimize an integrated lending management solution

Solution Support

Take care of business relevance and growth


We are a digital lending software provider. Flexible software for MFIs, credit unions, collection agencies, leasing companies, retail & e-commerce, and banks. Services for financial companies with customizable workflows and risk policies. Lending platform: applying, KYC, scoring, loan management, operating cost reduction, and NPL control. Best payment gateways. Our technology platforms served 1.5 million ❤️ customers of online lending services and disbursed 1 million 🔥 loans.

33 modules of flagship s/w MicroF1 2.8 for PDL
  • Landing page/site
  • Borrower's personal account with the quick start wizard
  • Extensive credit products settings
  • Profile and application settings
  • Pairing with lead generators/CPA networks: SalesDoubler, FinLine, StormDigital, LoanGate, Admitad, DoAffiliate, Affise, Lead.su, LeadGid
  • Integrations with Credit Bureaus: UBKI, MBKI
  • Anti-fraud: EMA Blacklist, Blacklist service
  • Remote identification: BankID Privat, BankID NBU, EDS/QES, Liveness detection, Facebook
  • Verifier workstation, internal blacklist
  • Decision support system and scoring, integrations with Vodafone/Kyivstar Big Data Scoring and Risk Tools
  • Connection with PrivatBank, Platon, Procard, Fondy, 4bill.io, UPC, PayCore.io, and other payment processing
  • Support for PrivatBank, City24, 2click, iBox, EasyPay 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; cashback
  • 'Invite a friend' referral program
  • Analytics: 18 reports and Business Intelligence subsystem Metabase
  • Many types of fees and renewals
  • Individual interest rate
  • Multi-firm accounting
  • Open 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
Reliable payment gateways for webshop/ marketplace/ app
  • 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, 4bill.io, 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 platform for refused loans

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.

The startup is registered in three European countries: Estonia, Poland, and Croatia. Contact Ninja Lender if you have plans to launch a credit marketplace in your country. The IT team of our platform will be happy to carry out a joint project!

The flexible and feature-rich architecture of the online lending software

Customization & Development

An efficient loan management system

Business Process Automation

Preventing bad loans using artificial intelligence

Predictive Modelling


We implement and maintain our software products as white label: MicroF1 2.8 for PDL, MicroF1 3.0 CRM for lending, MicroF1 3.0 CRM for collection, MicroF1 ID, MicroF1 DSS for lending, and others. We launch online businesses based on payment services, bots, CRM, DSS, and BI systems. We appreciate Agile, minimal viable product approaches, and lean startup methodology.


Dmitry Yanovsky

"We recommend the fintech company MicroF1 as developers capable of quickly implementing the required functionality with high-quality performance. We are completely satisfied with the cooperation with them both at the level of communication and understanding of the subject area, and at the level of obtaining the expected specific result according to our agreements."

Anastasiia Siryachenko
CEO Financial company "TRADITION", LLC

"The constantly updated automation system of the financial company MicroF1 2.8 for PDL Extended ver. and other IT services help to comprehensively manage our activities, keep credit records and get the necessary analytics. The professionalism of our colleagues, an excellent understanding of the credit business processes and a high reaction rate help us to improve the efficiency of business functions, to develop dynamically in the Ukrainian market."

Eugene Kuznetsov
CEO Financial company "COMBI", LLC
"We recommend MicroF1 partners as experts in the field of Fintech. Their developers and consultants are high-level professionals in the field of launching and maintaining online financial services. Cooperation with colleagues MicroF1 allowed us to automate our activities, digitize business processes based on cutting-edge web technologies. IT specialists quickly implemented and implemented all the new features we ordered."
Irina Koretskaya
CEO Financial company "E GROSHI COM", LLC
"The actively developing system of complex automation of the financial company MicroF1 2.7 for PDL Extended ver. have been maximizing the productivity of our business during several years. Highly qualified specialists, an excellent understanding of credit business processes, and speed of response to inquiries help us to be among the market leaders. MicroF1 software complex has covered all new market and regulator requirements, as well as embodied our exclusive wishes."
Anzhela Malovichko
Director Financial company 'FinHelp', LLC
“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.”
Anzhela Malovichko
Director Financial company 'Premium Assets', LLC
“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.”
Sergey Zakharov
Director Kulerova Funky Company
“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.”
Irina Koretskaya
Director Financial company "E Groshi", LLC
“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.”
Ignaty Zhubrun
CEO Shvydka Pozyka
“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. ”
Irina Koretskaya
CEO Financial company "E Groshi", LLC
“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.”
Ignaty Zhubrun
CEO Fincom Credit, LLC
“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.”


Get in touch with us

Our goal is customer success! Send us any message and we will help 😊

Kiev, Ukraine
+380 (66) 444 22 83