We are a fintech software company

Online lending, financial services, MFI: credit applications, anti-fraud, scoring, loans, billing, collection, CRM, BI, bots, API, AI/ML
Digital Core For Business

Launch financial services based on the best credit solutions

Product Implementation

Automate loan management in a matter of days

Solution Support

Take care of relevance, efficiency, and business growth

MicroF1 is a leading 🇺🇦 developer of credit automation software. Our company has been delivering high-load and SaaS products in the fintech field for 7 years and is a member of the Ukrainian Association of Fintech and Innovative Companies (UAFIC). Conveyor of credit services MicroF1 allows you to launch your financial business in 5 days. Our clients and partners are leaders in the financial market!


MicroF1™ is a provider of innovative digital lending software LOS/LMS. We develop flexible software for MFIs, credit unions, collection agencies, banks, leasing companies, retail & e-commerce. We automate financial companies with customizable workflows and risk policies. Our state-of-the-art lending systems provide full automation: onboarding, e-KYC, applications, CRM, scoring & decision-making, loan management, operating cost reduction, and NPL control. MicroF1's technology platforms have already served 2 million ❤️ users of online lending services and issued 1.8 million 🔥 loans.

37 modules of flagship s/w MicroF1 2.8 for PDL

A complete solution for ⚡️ record-fast financial services launch! Platform 2.8 supports microcredits, payday loans (PDL), consumer lending, installment loans, etc. Ready-made business management system.

  • Customer portal 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, QES/EDS, Liveness detection, Facebook
  • Customer verification by calling via Rikkicom service or internal telephony
  • Verifier workstation, internal blacklist
  • Financial monitoring (AML): PEP, terrorist, and sanctions lists
  • Decision support system and scoring engine; integrations with Vodafone/Kyivstar Big Data Scoring and Risk Tools
  • Connection to Privat24, Fondy, EasyPay, Platon, Procard, 4bill.io, UPC, PayCore.io and other payment services
  • Support for PrivatBank, City24, 2click, iBox, EasyPay networks of cash-in 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
  • IP-telephony based on Asterisk platform
  • Integration with CRM Bitrix24, 1C (BAS)
  • Notifying employees when paying/changing the loan/logging into the account, etc.
  • Loyalty system for customers: promotional codes, discounts, cashback, rewards. Option to write off cashback funds to charity
  • 'Invite a friend' referral program
  • Analytics: 18 reports and Metabase Business Intelligence. Real-time dashboards builder
  • Many types of fees and renewals
  • Individual interest rate
  • Multi-firm accounting
  • Open API for developers
  • Target actions (events) for business processes, marketing, and analytics. Integration of events with Google.Analytics
  • Debt collection support, collection status & tag management
  • Operations of restructuring, write-off and sale of credit debts
  • Credit accrual of your collection agency
  • Role-based access control
  • Users actions logs
  • Documents editor: loan agreements, supplementary agreements, references...
  • Integrations with Sender messenger and Corezoid process engine
  • Streaming archiving for high-load projects.
33 modules of MicroF1 CRM 3.0 for lending

The universal core banking system supports many types of finance: consumer loans, BNPL, microfinance, payday loans (PDL), installment, car financing, mortgages, POS finance, factoring, etc. Suitable for deposits and business lending. Cloud-based software, faster and more flexible to support.

  • Customer portal with the quick start wizard
  • Settings for loan and deposit products
  • Client profile settings
  • Client management: borrowers/debtors/depositors, their loans, and deposits. Key field search
  • Pairing with lead generators/CPA networks: SalesDoubler
  • Integrations with Credit Bureaus: UBKI
  • Anti-fraud: Blacklist service
  • Remote identification: BankID NBU, QES/EDS, Liveness detection
  • Digital KYC, internal blacklist
  • Integrations with Vodafone Big Data Scoring
  • Connection with Platon, Fondy, and other payment processors
  • Recurring payments settings and calendar
  • Omnichannel. Distribution and notifications, including SMS, email, IVR
  • Distribution of applications/loans by employees, taking into account the workload
  • Lead management and call tracking
  • Notifying employees when paying/changing the loan/logging into the account, etc.
  • Integration with IP-telephony Asterisk
  • Deposit management and billing. Replenishment and closing of deposits
  • Deposit applications and calculator
  • Refusal codes for loans and deposits
  • Promo codes for deposits and loans, discounts
  • Analytics — embedded Metabase business intelligence subsystem: real-time dashboards, queries, and graphs
  • Fees, renewal, restructuring
  • Documents editor: loan agreements, supplementary agreements, references...
  • Open API for developers
  • Multi-firm accounting
  • Debt collection support, collection status & tag management
  • Formation of multi-funnel for building complex business logic
  • Flexible customization of the funnel of the consolidation process and the deal
  • Assignment of claims on loans from financial institutions, factoring agreements
  • Role-based access control, employee management
  • Users actions logs
  • Modular HMVC architecture for scaling, high-load, and operational support.

⚡️ Work with your documents 24/7 from anywhere in the world from your smartphone, tablet, computer

⚡️ Give your documents legal value with QES and MicroF1 ID in 5 seconds!

A qualified electronic signature has the same legal force as a handwritten signature, it has a presumption of conformity to a handwritten signature. An electronic signature guarantees:

  • Document integrity — no one will be able to edit the signed document unnoticed
  • Accurate date and time of document signing, confirmed by an Accredited Certification Authority
  • Identification of people who signed the electronic document.

Basic functionality of the identification and verification service:

  • Supports operations with all Accredited Key Certification Centers of Ukraine
  • Electronic signature "Diia.Pidpis" of the ID GOV UA integrated system
  • Key generation and document signing by the company's client "on the fly" via PrivatBank cloud SmartID
  • The widest range of document formats
  • Signing documents by employees 
  • Document signing by customers and other business partners
  • Open API for automation of the signing process and integration with your business system
  • Out-of-the-box connections to MicroF1 2.8 for PDL and MicroF1 3.0 for lending software platforms
  • Signature transaction retries when external servers fail
  • Signed document is returned by response to the workspace for storage.

MicroF1 ID 1.1 service can be used by organizations as:

⭐️ A tool to automate document signing by means of QES/ EDS in a working environment: CRM or ERP, Personal Account, mobile application, etc.

⭐️ The core of modern electronic document management by company employees or the core of a document exchange platform among counterparties.

⭐️ Integration of internal and external workflow in a single system.

You can build such ECM or EDMS systems on the basis of our API by your own developers or MicroF1 team.

💡 The cost of using the service is calculated according to the transaction model of the current tariff schedule.

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

Customization & Development

An efficient innovative all-in-one loan management system

Business Process Automation

Building credit scoring models: preventing bad loans using artificial intelligence

Predictive Modelling


We supply IT solutions to credit organizations. We provide IT consulting to financial institutions. We implement and support our software systems as white label: MicroF1 2.8 for PDL, MicroF1 3.0 CRM for lending & collection, MicroF1 ID, and others. We deliver the best system for microfinance institutions. Our low-code and no-code builders make lending software maintenance as easy as possible. We run turnkey online businesses based on CRM, DSS, BI systems, payment services, bots, and AI. Since 2017, we have completed 💪 27 fintech projects!



Get in touch with us

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