Modern loan origination made digital for smart lenders.
Eliminate paper ledgers, accelerate credit approvals from days to 3 minutes, and scale multi-branch operations with our enterprise Loan Origination System (LOS), Loopi OCR, and LOS Agent.
TRUSTED BY PAWNSHOPS, MICRO-LENDERS & FINANCIAL INSTITUTIONS
Built for high-speed lending operations.
From pawn ticket creation to multi-currency balance consolidation, Loy Finance powers every step of your lending workflow.
Instant Collateral Appraisal & Valuation.
Appraise gold jewelry, vehicles, land titles, and consumer electronics in seconds with automated LTV (Loan-to-Value) caps and market price scrapers.
Automated Interest & Bakong Settlement.
Eliminate calculation mistakes. Automated daily interest accrual, penalty rules, grace periods, and instant KHQR QR-code repayment reconciliation.
Multi-Branch Cash Vault & Accounting.
Full ledger oversight across 100+ branches. Monitor branch cash reserves, physical vault asset custody, loan defaults, and audit logs from one screen.
Choose the right power for your team.
Loy Finance Core (LOS) — Full-Cycle Loan Management.
The complete operating system built specifically for modern pawnshops and micro-lenders. Handles customer registration, collateral physical vault tagging, customized interest schedules, and instant automated disbursements.
Traditional Paper vs. Loy Finance LOS
See how switching to an automated pawn core transforms your profit margins and speed.
| Capabilities | Old Paper / Excel System | Loy Finance LOS Platform |
|---|---|---|
| Loan Ticket Processing Time | 30 – 45 Minutes | < 3 Minutes (Automated) |
| Khmer ID Document Ingestion | Manual typing (prone to errors) | Loopi AI Instant OCR |
| Interest & Penalty Calculation | Manual math & Excel sheets | Automated Daily Accrual (0% Error) |
| Repayment Settlement | Physical cash counter only | Bakong KHQR Dynamic QR Codes |
| Customer Inquiries & Follow-up | Manual phone calling | 24/7 Autonomous Telegram AI Agent |
| Multi-Branch Central Audit | Weekly / Monthly manual reports | Real-Time Cloud SQL Central Ledger |
Calculate instant
loan disbursements.
Estimate customer repayments with zero hidden fees. Experience flexible loan durations, fixed low interest rates, and automated KHQR settlements.
Transform your lending business
anytime & anywhere.
Join the next generation of digitized pawn and credit lending. Connect your branches, automate OCR with Loopi, and deploy your autonomous AI agent today.