Credy.md

Credy.md is a microfinance platform covering loan origination, accounting, and a customer mobile app — designed to replace four disconnected tools that a typical Moldovan microfinance operation runs in parallel.

What it replaces

Most microfinance institutions stitch together a CRM for leads, a separate loan-origination system, accounting software that does not know about either, and Excel for the gaps. Credy.md collapses those into one system: lead capture, KYC, scoring, contract generation, repayment schedule, accounting entries, and a customer-facing mobile app — all backed by a single source of truth.

The lending workflow

A loan moves through clearly-defined stages: application, KYC review, scoring, approval, contract, disbursement, repayment, closure. Each stage has the inputs the regulator and the institution need, and the audit trail that lets either review what happened and why.

Mobile and back office

The mobile app gives borrowers visibility into their loan: schedule, balance, upcoming payments, payment confirmation. The back office serves the loan officers and accountants who run the day to day. The same data, two surfaces, no reconciliation step in between.