Estimatein 1 hourEstimate a projectreply within 1 hourThis web application issues microloans online: borrowers fill a form, scoring in seconds, repayment in a personal account without manual review
The microfinance client needed to remove manual underwriting: from application to card payout in under two minutes, twenty-four seven, with peak-load resilience and compliance for personal and payment data in Russia.
The product had to be a digital conveyor — scoring on passport, credit history and digital footprint, SMS identification, contract acceptance and card disbursement, plus a borrower cabinet with early and partial repayment. Traffic skewed mobile, so UX was mobile-first from day one.
ESK delivered modular Laravel with a partner scoring engine: Redis speeds profiles, REST links credit bureaus, social networks and SMS gateways, while AES-256 encryption and antifraud guard fully automated approval paths around the clock without an operator in the standard flow.
Laravel and MySQL run CRM, cabinet and loan lifecycle; scoring sits behind an internal API so risk partners evolve the model without full codebase access. Redis caches profiles; queues handle bureau and social lookups asynchronously where SLA allows.
The responsive Bootstrap and jQuery front covers first and repeat loans, payment history and early payoff — usability tests on focus groups preceded the corporate design with the elapsed-time indicator above the apply button.
Delivery took four months: Figma prototypes, scoring microservice wiring, processing integration and a migration plan that avoided downtime. Post-launch the client added products via the same API without rewriting the platform.
Average decision time dropped to five to seven seconds — far below the original one-to-two-minute target. Scoring cut default by twenty-two percent versus manual underwriting while keeping approval rates economically sound and portfolio margin stable.
The service runs autonomously: operating cost fell and staff moved to edge cases and disputed applications. Mobile conversion beat desktop by fifteen percent in month one; the project shipped without fix-up backlog after discovery and load testing.
Architecture left room to scale — the client added loan products through the API without stopping disbursements. We do not publish the company name per client request, but the live link demonstrates delivered speed and microloan functionality.
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