Complex Solutions: one platform runs a micro-loan business, from first application to regulator report
A micro-loan provider needed software for its whole business: onboarding, KYC and AML checks, loans, extensions, collections, fraud detection and reporting to the national bank. We built it end to end and saved the client €1.1M in total.
Background: a whole lending business to run, and no single system to run it
The client provides micro-loans.
- It needed software for the whole customer lifecycle, from onboarding to debt collection.
- KYC and AML checks and reporting to the national bank regulator had to meet strict rules.
- Standard tools covered only parts of the process.
How the platform runs the loan business
Onboarding
new customers apply and are checked for KYC and AML in one flow.
Loans
every loan is managed from approval to repayment.
Extensions
customers can extend a loan within the provider's rules.
Collections
when a loan goes into default, debt collection starts automatically.
Fraud detection
a dedicated layer checks applications and transactions at every step.
Reporting
a robust backend produces the reports for the national bank regulator.
The results
- €1.1M saved in total, from two sources:
- Leaner operationsadmin work across the loan process eliminated.
- Agentic software developmentour engineers build with AI agents, so the platform cost far less to develop than a traditional software project.
- One platformthe whole customer lifecycle, end to end.
- Compliance built inKYC, AML and regulator reporting.
- Fraud detection at every step.
What this means for lenders and other regulated businesses
Lenders, leasing companies and other regulated businesses need software that covers every step and satisfies the regulator. Built as one system, the whole process runs in one place, every step can be traced, and admin work drops away. Built with AI agents, the software itself costs a fraction of a traditional project.
- Free 30-minute callWe tell you whether AI pays off.
- Fixed price from €5,900Scope and price in writing, excl. VAT.
- Live in about 6 weeksBuilt on the systems you already use.
Questions about this project.
Prefer to write? Send a description or documents to start@aqunama.com.
What is a complex solution?
One custom system that runs a whole business process, built around how your business works.
What did you build for the micro-loan provider?
A complete platform: onboarding, KYC and AML checks, loan management, extensions, debt collection, fraud detection and reporting to the national bank regulator.
How does it handle KYC and AML?
Every new customer goes through KYC and AML checks as part of onboarding.
Can it report to the regulator?
Yes. A dedicated backend produces the reports the national bank requires.
How does the fraud detection work?
A dedicated layer checks applications and transactions at every step and flags suspicious cases.
What did the client save?
€1.1M in total. The savings come from two places: daily operations run with the admin work eliminated, and the platform was built with agentic software development, where our engineers work with AI agents, so the build cost far less than a traditional software project.
What other complex solutions have you built?
An AI agent that manages shifts for factory workers and optimises routes, and admin automation tailored to clients' CRM and ERP.
Does it work with our systems?
Yes. It connects to the systems you already use, or we build the whole system for you. The choice is yours.
How much does it cost?
Projects start from €5,900 excl. VAT. For a platform of this size, scope and price are fixed in writing before the build.
Which process would you like to run from one system?
In a free 30-minute call we look at your process with you and say where AI pays off first. Free and non-binding.
Prefer email? start@aqunama.com. We reply within one business day.