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Micro-Lending Platform

Micro-loans from application to disbursement, automated

The Micro-Lending Blueprint connects AuthKit, AccountKit, LendingKit, and PaymentKit to create a fully automated micro-lending operation. Verify borrowers via Nafath and SIMAH, assess creditworthiness using configurable scoring models, originate loans with automated documentation, disburse funds to borrower accounts, and collect repayments on schedule. Designed for Saudi micro-lending regulations with built-in APR calculations and disclosure requirements.

Kits Included
4
Time to Launch
3-4 weeks
Bundle Savings
25%
Pricing
From 32,000 SAR/month + usage

What's Included

Micro-Lending Platform combines 4 Hyperscale Kits into one pre-configured, production-ready platform.

AuthKit

Identity, verification, and compliance in a box

KYC Individual
KYC Business
Document Verification
Biometric Verification

AccountKit

Banking infrastructure, ready to use

Open Account
Virtual IBAN
Multi-Currency
Account Statements

LendingKit

Loans, credit, and buy-now-pay-later

Loan Application
Credit Scoring
BNPL Checkout
Installment Management

PaymentKit

Accept, process, and move money

Card Payment
Bank Transfer
Direct Debit
Wallet Payment

Months of work, eliminated.

Stop stitching together fragmented APIs. Micro-Lending Platform gives you a production-ready platform so you can focus on growth.

Building It Yourself

01

Research and evaluate 12+ individual providers

02

Negotiate contracts and manage vendor relationships

03

Build custom integrations for each provider API

04

Normalize data across incompatible schemas

05

Build orchestration, failure handling, and retry logic

Time to launch
12-18 months
Engineers Required
4-6

With Micro-Lending Platform

01

Verify Borrower

KYC verification and credit scoring

02

Originate Loan

Credit decision, terms calculation, and documentation

03

Link Account

Connect borrower bank account for disbursement

04

Disburse & Collect

Fund disbursement and scheduled repayment collection

Time to launch
3-4 weeks
Engineers Required
1

Bundle Pricing

Save 25% compared to subscribing to each kit individually.

Monthly Platform Fee
AuthKit
10,667 SAR/mo
AccountKit
10,667 SAR/mo
LendingKit
10,667 SAR/mo
PaymentKit
10,667 SAR/mo
Subtotal42,668 SAR/mo
Bundle discount (25%)-10,668 SAR/mo
Total
32,000 SAR/mo

One-time setup fee of 120,000 SAR. Per-loan and per-transaction fees apply based on volume

One SDK, One Init

Access all 4 kits through a single SDK initialization. No glue code required.

typescript
1import { Hyperscale } from '@hyperscale/sdk'
2
3const hs = new Hyperscale({
4 blueprint: 'micro-lending',
5 apiKey: process.env.HYPERSCALE_API_KEY,
6})
7
8// Access all 4 kits through one initialization
9const { auth, account, lending, payment } = hs.kits

Start building with Micro-Lending Platform.

Initialize the blueprint, configure your kits, and launch your platform in 3-4 weeks.

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