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OmniCredit
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AI-native lending platform

The AI lending platform for microcredit institutions.

OmniCredit runs the entire institution: credit products, online applications, AI verification and scoring, decisions, disbursement, repayments, collections, reports and marketing. One platform, on your own domain, under your own brand.

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KKredit PlusReceived 2 minutes ago

Application #2184

Personal loan · 4,500 EUR over 24 months

··

AI credit score

AI is checking the file

  • ID card read and verified by AI
  • Face matched to the document
  • Income and expenses analysed
  • Credit policy rules passed
  • No duplicate or fraud signal

The officer decides once the checks are in.

Officer decides · reasoning shown · recorded in the audit trail

30+
modules in one platform, from credit products to collections
AI
on every file: documents, scoring, answers, reports
10
portal languages, translated automatically
2
DNS records to run on your own domain

Why institutions move

You already know these problems. This is what the platform does with them.

Every microcredit institution loses the same hours and the same money in the same places. Each line below is a module, not a promise.

  • Applications arrive by phone, on paper or in a chat, and the same data is typed in three times.

    One application, filled in by the client on their phone, verified before it opens, and already in the CRM with its source and its officer.

  • A file waits days because somebody has to read the documents and check the person.

    AI reads the ID card, the certificate and the statements, matches the face and flags what needs a human look. Minutes, not days.

  • Two officers decide the same file differently, and nobody can explain why afterwards.

    Your credit policy is applied to every file the same way, with a score, the reasons behind it, approval by role and limit, and the audit trail.

  • Instalments go late and nobody calls in time, so a small arrear becomes a loss.

    Arrears in one list, ranked by who is most likely to pay after contact, with the reminder already written and sent on the channel the client uses.

  • You spend on advertising, and nobody can say which ad brought a disbursed loan.

    Leads from Meta, Google and LinkedIn land in the CRM in real time, and the source is carried to the signed contract, so you see cost per disbursed loan.

  • Between instalments the client forgets the institution exists, and the next loan is taken elsewhere.

    Your card on their phone, with the next instalment on it, plus the club, the games and the referrals that keep them coming back to you.

  • Month end is two days of Excel before anybody knows how the portfolio did.

    Reports and targets are live, per officer, product and branch, with the AI writing the commentary on the month.

  • Every new branch or employee adds confusion: who may do what, who did what.

    Roles and permissions per module, targets per person, the help system inside the panel and a trail of every change.

Request a presentation

The platform

Everything a lending institution runs on

One system for the whole life of a loan. Core modules come with every subscription; switch the others on when you need them and pay only for those.

  • 01

    Credit products

    Amounts, terms, rates, fees and the exact documents each product requires.

  • 02

    Online applications

    Personal and business loans, filled in on a phone, with the applicant verified before the file opens.

  • 03

    CRM and pipeline

    Every file from first contact to closed loan, by officer, product, branch and source.

    AI drafts the next message and summarises the file
  • 04

    KYC and documents

    ID cards, passports, business certificates and selfies, with the specimens each product asks for.

    AI reads the document, checks expiry and matches the face
  • 05

    Credit policy and scoring

    Your own rules and limits, applied identically to every application.

    AI scores the file and explains what weighed on the result
  • 06

    Decision and disbursement

    Approval by role, signed contract, repayment plan and the loan opened with its schedule.

  • 07

    Payment calculator

    Instalment plans for clients on the site and for officers in the panel.

Artificial intelligence

AI is not a feature here. It is how the platform works.

Every loan file passes through the same AI pipeline: it reads the documents, checks the person, scores the risk, explains itself and writes what has to be sent. Your officers decide; the AI removes the hours before the decision.

  • Document reading

    ID cards, passports, business certificates, payslips and statements read into fields, with expiry, name and number checked.

  • Identity and face match

    The selfie is matched to the document photo, and anything doubtful is flagged for a human look.

  • Credit scoring

    Income, expenses, history and your own policy turned into a score with the reasons behind it.

  • Fraud signals

    Duplicate applications, altered documents and inconsistent data surfaced before disbursement.

  • Collections priority

    Late loans ranked by who is most likely to pay after contact, with the reminder already drafted.

  • Assistant on every channel

    Client questions answered in their own language, day and night, and handed to your staff when a person is needed.

  • Writing for you

    Campaigns, articles, client letters and the commentary on monthly reports, in your tone.

  • Market and media reading

    Articles, posts and competitors read continuously, summarised into what matters this week.

Every AI result is shown with its reasoning and can be overridden by an officer. You keep the decision, the policy and the audit trail.

How it works

One application, end to end

The same path for every file, whoever handles it.

The client

Picks a product, fills the form on a phone and confirms the number.

Your team

The file opens in the CRM at once, with its source and the officer it belongs to.

The AI

AI checks the form for missing or inconsistent data before it is submitted.

Leads

Your advertising stops leaking. Leads arrive while the person is still holding the phone.

A lead form on Meta, Google or LinkedIn reaches the CRM in real time, assigned to an officer, with the campaign and the ad recorded. No spreadsheet export, no lead found three days later.

1Someone taps your ad
2The form is submitted
3The file opens in the CRM, with an officer
4The first message goes out automatically
Real time

  • Meta lead ads

    Facebook and Instagram lead forms: the moment someone submits, the file is in the CRM.

  • Google lead forms

    Lead form assets on Search, YouTube and Discovery campaigns, straight into the pipeline.

  • LinkedIn Lead Gen Forms

    For business lending: the company and the role come in with the contact.

  • Click to message

    Ads that open Viber or WhatsApp: the conversation and the lead are the same record.

  • Your own portal and QR codes

    Website forms, branch posters and employee QR codes, each with its own source.

  • Referrals

    A client invites a client; the invitation is tracked to the loan and the reward.

The source travels with the file to the signed contract, so the report shows cost per application and cost per disbursed loan, by campaign and by ad.

Wallet

Your institution on the client's phone, designed by you

Cards for Apple Wallet and Google Wallet, designed inside the platform, not ordered from an agency. One place for the client card, the club and games card, and your employees' business cards.

  • Client card

    The next instalment, the amount and the due date on the card itself, with buttons to open the loan or call the branch. The reminder arrives as a notification on the phone, with no app to install.

  • Club and games card

    Points, rank and streak for the players of your club, with an invite QR on the back. Polls, quizzes and games run on your channel and feed the same card.

  • Employee business card

    Every officer gets a business card with a QR: the client scans it and keeps the contact, and the visit is recorded. Printed for the desk or sent by e-mail and Viber.

Designed in the panel

Colours, logo, fields, artwork and the buttons under the pass. You see it as the client will see it.

Updated by itself

The card changes when the loan changes. No reissue, no new download.

Notifications included

Due dates, new points and offers reach the phone through the card, next to your Viber messages.

Everything in one place

Client cards, player cards and staff cards, issued, counted and followed from the same screen.

A card is issued from the panel or from the Viber bot, and it updates itself on the phone: a paid instalment, new points, a new rank, a changed branch telephone.

Integrations

Connected to the systems your team already uses

The calendars, mailboxes, documents, wallets and payment rails are part of the platform. Each institution connects its own accounts once, per employee where it matters, and the work stays inside one panel.

  • Google CalendarEach officer connects their own calendar; booking checks real availability before it offers a slot.
  • Microsoft 365 calendarThe same for the staff who live in Outlook, so both kinds of calendar work side by side.
  • Officer mailboxesA client e-mail leaves from the address the officer is signed in with, Microsoft 365 or Google.
  • Microsoft and Google sign-inStaff sign in with their work account; clients with Viber, WhatsApp or an e-mail code.
  • Google MeetAn online meeting opens from the file, with the link sent to the client automatically.
  • Google DriveDocuments read from and filed to the institution's Drive, next to the loan file.
  • Apple and Google WalletClient cards and staff business cards issued to the phone, updated when the loan changes.
  • Card paymentsInstalments paid online through the institution's own bank gateway.
  • Bank accounts and statementsIncoming transfers matched to loans, so the portfolio stays true without retyping.
  • Viber, WhatsApp, MetaThe institution's own bot, business number and pages, in one shared inbox.
  • Meta, Google and LinkedIn lead adsLead forms delivered into the CRM in real time, with the campaign and the ad on the file.
  • Your own APIDocumented per institution, for accounting, reporting or anything else you run.
  • MCP serverYour AI tools work with your data directly, with the same roles and limits.
Nothing here is an extra project: it is configured in Settings, per institution and per employee.

Communication, included

And it talks to your clients wherever they are

Every channel a client might use is part of the platform, in one inbox, with the AI assistant and your officers working side by side. You connect your own accounts once.

Applications, verification codes, decisions, reminders and campaigns all travel on these channels.

One inbox

Viber

Help

And you are not left alone with it

The platform explains itself where the work happens, and every change is traceable.

  • Help system in every moduleGuides, short tips next to the fields that need them and answers inside the panel, in the portal's own language. No manual to hunt for, no ticket to open.
  • Release notesWhat changed and what is new, written for the people who use it, so your team is never surprised by a new screen.
  • Setup and trainingWe open the institution with you: products, policy, documents, channels and staff, then walk your team through a real file.
  • Audit trailWho changed what and when, on every file and every setting, including every AI result an officer overrode.

White label

The institution is yours. So is the portal.

Your clients see only your name, your domain and your colours. Type your institution's name to see it.

  • Your domain

    Connect it with two DNS records. Staff and clients sign in there.

  • Your brand

    Logo, colours and website content, changed by you, without us.

  • Your languages

    Add a language and the portal follows, translated and adjustable.

  • Your data

    Separate from every other institution, with roles and permissions per employee.

Marketplace

The loan marketplace

Every loan offered by the institutions on OmniCredit, side by side. Set the amount and the term, compare the monthly instalment, and apply directly with the lender.

6 loans from 1 lender

  • MMonte Credit · Montenegro

    personal

    Education Loan

    Invest in your future with affordable education financing for students and professionals.

    Amount
    500–20,000
    Months
    12–84
    Rate
    7.9%

    About, each month

    135.55 EUR

    for 3,000 over 24 months

    Apply

  • MMonte Credit · Montenegro

    personal

    Agricultural Loan

    Support for farmers and agricultural businesses with seasonal-friendly repayment terms.

    Amount
    1,000–30,000
    Months
    6–60
    Rate
    8.5%

    About, each month

    136.37 EUR

    for 3,000 over 24 months

    Apply

  • MMonte Credit · Montenegro

    business

    Business Loan

    Fuel your business growth with our competitive business financing solutions for SMEs.

    Amount
    2,000–50,000
    Months
    12–84
    Rate
    9.9%

    About, each month

    138.3 EUR

    for 3,000 over 24 months

    Apply

  • MMonte Credit · Montenegro

    personal

    Home Improvement Loan

    Transform your home with our dedicated renovation and improvement financing.

    Amount
    1,000–25,000
    Months
    12–72
    Rate
    10.5%

    About, each month

    139.13 EUR

    for 3,000 over 24 months

    Apply

  • MMonte Credit · Montenegro

    personal

    Personal Loan

    Flexible personal loans for any purpose - home improvements, education, travel, or emergencies.

    Amount
    500–15,000
    Months
    6–60
    Rate
    11.5%

    About, each month

    140.52 EUR

    for 3,000 over 24 months

    Apply

  • MMonte Credit · Montenegro

    personal

    Quick Cash Loan

    Get emergency funds fast with our quick approval micro-loans for urgent needs.

    Amount
    100–3,000
    Months
    1–12
    Rate
    15%

    About, each month

    270.77 EUR

    closest it offers: 3,000 over 12 months

    Apply

Instalments are estimates from the published rate. The lender's own offer is the binding one.

Pricing

Pay for what you use

The price has four parts: the platform, the modules you switch on, applications above the included ones, and employees. Add-on packs when you grow.

The price is set by the size of the institution. Ask for a quote and get it the same day.

Ask for a quote

FAQ

Questions institutions ask first

What exactly does the AI do, and who decides?

The AI reads documents, verifies identity, scores the application against your policy, drafts messages and reports, and prioritises collections. It never approves a loan on its own: every result carries its reasoning, an officer decides within their role and limit, and the audit trail records it.

How long does it take to go live?

The institution is created in minutes. Connect your domain, load your credit products and your channels, and your portal takes applications the same day.

Do our clients ever see OmniCredit?

No. They see your name, your domain and your colours. OmniCredit appears only in the marketplace, and only if you choose to list your loans there.

Is our data separate from other institutions?

Yes. Each institution has its own data, isolated and checked by the platform, and each employee sees only what their role allows.

Does it fit our regulator and our credit policy?

Your policy, limits, documents, contracts and reports are configured per institution, including the reports a central bank requires.

Can it work with our other systems?

Yes. Each institution gets its own documented API and an MCP server, so your accounting, reporting or AI tools can work with your data. Calendars, mailboxes, Drive, Meet, wallets and your bank's payment gateway are connected from Settings.

How does our team learn it?

The help system lives inside the panel: a guide for every module and short tips next to the fields that need them, in the portal's language. We also open the institution with you and walk your team through a real file.

Presentation

See it with your own data

Tell us a little about the institution. We open a trial portal for you and walk through a real loan file together in 30 minutes.

  • A trial portal with your name and colours
  • One of your own loan products, scored by the AI
  • Your loans listed in the marketplace
What would you like to see?