Fintech · Custom software
Installment Management System
A private web app that tracks customers, installment sales, collections and defaulters, with WhatsApp receipts and reports.
View case studyDemo on request
Loan & Microfinance Software
Loan management and microfinance software, built to your policy
Lending runs on accurate schedules and fast follow-up. We build loan management systems that move each application from request to repayment with clear rules and a full audit trail.
What we build
Loan origination
Online applications, document upload and checks.
Approval workflows
Rules, limits and multi-level sign-off.
Repayment schedules
Flat, reducing balance or custom profit methods.
Collections & reminders
Due lists, field collection and automatic reminders.
Borrower portal & app
Borrowers see balances and pay online.
Portfolio reporting
Arrears, risk and performance reports on demand.
Why Flikow
Policy in code
Your product rules enforced consistently.
Audit trail
Every change and payment recorded with user and time.
Integrations
Payment gateways, SMS, WhatsApp and accounting.
Technologies
- Laravel
- Node.js
- Next.js
- PostgreSQL
- React Native
- REST APIs
How we work
Discover
A short call to understand your goals, users and constraints. You get a written scope and estimate.
Design
Wireframes and a clickable prototype, so you see the product before it is built.
Build
Weekly releases you can test, with code in your own repository from day one.
Launch & support
Go-live, training and ongoing improvements, with backups and monitoring in place.
Related work
Frequently asked questions
Can the system support different loan products?
Yes. Each product can have its own amounts, terms, fees and repayment method.
Does it support Islamic finance products?
We can model profit-based, murabaha-style and other Sharia-compliant schedules based on your product rules and your scholars' guidance.
Can borrowers pay online?
Yes. We integrate the payment gateways and wallets used in your market.
Can it work with our existing core system?
Yes. We can integrate through APIs or file exchange.
Have a project in mind?
Tell us what you want to build and we will reply with clear next steps.