Line of Credit

Flexible & Scalable Line of Credit Solutions for Digital Lending

miFIN™ Line of Credit (LOC) Platform is a powerful digital lending solution that enables financial institutions (FIs) to offer seamless, flexible credit lines to their customers. Designed for efficiency, miFIN™ simplifies the approval and management of credit limits, reducing administrative burdens while enhancing customer experience.

With miFIN™, financial institutions can provide secure, revolving credit accounts that allow customers to withdraw, repay, and redraw funds on demand. The platform supports multiple types of LOC products, making it adaptable to various lending models and customer needs.

Shape Image
Shape Image

Key Features​

Instant Fund Access

Customers gain immediate access to funds, improving liquidity and ensuring quick financial support when needed.

Flexible Drawdown Options

Supports Flexi OD, Tenor-Based OD, and Diminishing OD, offering customized credit solutions for different financial needs.

Seamless Integration Capabilities

Easily integrates with POS systems, customer self-service portals, and financial platforms, ensuring a smooth digital experience.

Automated Credit Management

Reduces manual intervention by automating credit approvals, fund disbursals, and repayment tracking for enhanced efficiency.

Configurable Repayment & Billing Terms

Offers flexible repayment schedules, including customizable due dates, billing cycles, and limit blockers, catering to varied cash flow needs.

Instant Fund Access

Customers gain immediate access to funds, improving liquidity and ensuring quick financial support when needed.

Flexible Drawdown Options

Supports Flexi OD, Tenor-Based OD, and Diminishing OD, offering customized credit solutions for different financial needs.

Seamless Integration Capabilities

Easily integrates with POS systems, customer self-service portals, and financial platforms, ensuring a smooth digital experience.

Automated Credit Management

Reduces manual intervention by automating credit approvals, fund disbursals, and repayment tracking for enhanced efficiency.

Configurable Repayment & Billing Terms

Offers flexible repayment schedules, including customizable due dates, billing cycles, and limit blockers, catering to varied cash flow needs.

Why Qualtech

Empowering Financial Institutions with
Smart Credit Management

Instant & Seamless Fund Access

Enables quick withdrawals and redraws, ensuring uninterrupted financial flexibility for customers.

Customizable Repayment Plans

Provides tailored repayment options to suit different customer segments and financial requirements.

Unified Digital Platform for Tech-Savvy Users

A single, integrated platform for managing credit lines efficiently, enhancing digital engagement.

Transparent Costs to Build Customer Trust

Ensures clear cost structures, fostering loyalty and long-term customer relationships.

Comprehensive Ecosystem with Easy Integration

Connects seamlessly with existing banking, lending, and payment systems, simplifying financial operations.

Real-Time Insights for Smarter Decision-Making

Provides financial institutions with detailed analytics and insights to optimize credit management and risk assessment.

With miFIN™ Line of Credit, financial institutions can offer more flexible credit solutions, enhance customer satisfaction, and drive business growth with a future-ready lending platform.