The modern end-to-end lending platform
that unlocks your growth
SmartCheck is a lending platform built to deliver from day one and scale with your future needs
Your lending business shouldn’t be limited by outdated technology. Our innovative, modular platform automates the entire credit lifecycle on your terms.
Get a personalized quote
1M+ end customers served
Leveling up your lending business
is just a few steps away
With SmartCheck you can launch, manage, and scale multiple credit products - in just 3 simple steps
01
Pick the right modules
Decide which of our configurable modules are right for your specific business case
Get transparent, tailored estimates
02
Configure your products
Create financial products directly through the platform without heavy development
Time to market reduced by up to 90%
03
Start attracting clients
Launch a financial product free from manual work and volume headaches
Confidently focus on business growth
The end-to-end lending platform
built to remove digital limitations
Launch financial products with no development costs
Configure new products, onboarding flows, and approval workflows directly in the platform.
No tickets raised, no slow sprints, no developers pulled away from higher-priority work
Impress your customers with consistency across all channels
Whether a customer applies at a branch, through your mobile app, or via a partner platform, they follow the same business logic and get the same experience
No inconsistencies, no channel-specific workarounds
Operate with complete visibility for every operation
From a single overdue payment to your entire loan portfolio - every transaction, customer interaction, and team activity is tracked in one place
No blind spots, no manual cross-referencing between systems
Scale with real-time insights powering your decisions
Portfolio health, team KPIs, repayment rates, and collections performance - all visible the moment you need them
Connect to Power BI and your existing BI stack in minutes
Manage the entire credit lifecycle
with SmartCheck’s modular lending platform
Our technologically advanced, modular lending platform is tailored to the needs of non-bank lenders seeking to grow with flexibility, innovation, and total security. The platform handles all of the lending business’s needs – from customer onboarding and rapid loan approval to efficient loan servicing, effective collections, and insightful portfolio analytics.
Developed by SmartIT – an integral division of Managеment Financial Group AD (MFG) with over a decade of proven experience in bespoke software solutions – SmartCheck combines cutting-edge technology with deep lending expertise. This unique foundation ensures optimized credit operations, accelerated decision-making, and reduced manual work for our clients.
Develop winning financial products in days, not months
SmartCheck supports a wide range of consumer and commercial lending products:
Short-term installment loans
Long-term installment loans
Payday loans
Revolving credit lines
Credit cards
Learn more
Grow your lending business
to be the market's first choice
SmartCheck’s modular nature, combined with its flexibility, automation, and scalability, is making the platform the complete solution for both individual and corporate lending operations.
One end-to-end lending platform, multiple ways to improve your financial products
Comprehensive loan lifecycle management
Refinancing and loan ceding - restructure loans or transfer portfolios efficiently
Credit cards and revolving credit management
Financial operations automation
Customer onboarding and compliance checks
Reporting and portfolio analytics
Event-based notifications and communications
Collections and repayment management
KPI and performance monitoring
Workflow and task management
Role-based environment
Support team with a dedicated experience
AI powered automations
Why did SmartIT decide to evolve from an IT hub to a B2B product company?
For over 10 years, SmartIT has been the primary technological engine for all companies in the MFG group. During that time, we witnessed how the effectiveness of our innovative solutions played a key role in the impressive results of our partners. This is what inspired us to take the next step – creating SmartCheck.
Veroslav Tsenov
CEO of SmartIT
Veroslav Tsenov
CEO of SmartIT
Why did SmartIT decide to evolve from an IT hub to a B2B product company?
For over 10 years, SmartIT has been the primary technological engine for all companies in the MFG group. During that time, we witnessed how the effectiveness of our innovative solutions played a key role in the impressive results of our partners. This is what inspired us to take the next step – creating SmartCheck.
Our modules are built to
solve the complexity of modern lending
Person Data Management
A centralized hub for every customer and company profile - identification details, contact information, financial and related party data, and compliance validations all stored, managed, and audit-ready in one place
Credit Management
Handles the full credit lifecycle from application and assessment through approval, repayment configuration, and active credit servicing - across all product types: Supply (Installment) Credit, Credit Line, and Credit Card
Card Management
Manages the complete card operation - programs, issuance, activation, lifecycle actions, transaction history, limits, and cardholder management - from one controlled interface
Finance Module
Executes and reconciles every financial transaction in the platform - payments, accruals, settlements, reversals, refunds, and amount distributions - with full transparency and auditability
Reporting Module
Operational, sales, portfolio, KPI, and financial reports built on daily aggregated data, with advanced filters and export options so the right information reaches the right people without delay
Notifications
Automated, event-based communication via SMS, Viber, and email - with dynamic content, template management, and activation workflows that keep customers informed at every stage
Performance Management
Aligns individual performance with business goals through structured KPI tracking, transparent evaluations, and streamlined salary management - giving leadership the data to make fair, informed decisions
AI Module
Reach new levels of growth with AI products built for real business operations
. Our products are designed to help organizations automate
repetitive work, improve customer experience, support employees in daily decision-making, and scale execution without scaling overhead
The fintech solutions built for
real-world performance are flexible
Extend your core lending operations with a layer of flexible add-ons that let you configure product parameters and tailor your offerings directly from the dashboard
Promotions and discounts, grace periods
Incentives and loyalty programs
Additional services
Penalties and late fees
Guarantor and collateral management
Get a personalized quote
Supported channels include:
Viber
SMS
WhatsApp
Email
What our clients have to say about the platform
Nikolay Nikolov
General Manager
Since the very beginning of Fintrade we have been working with SmartIT. The team developed a platform that effectively manages a significant part of our processes, providing us with the necessary security and visibility into our customer data.
Petar Petrov
Head of International Operational Support
We have been working with SmartCheck for several years, and the platform has become an indispensable part of our daily operations. It helps us optimize processes and respond faster in international coordination, resulting in fewer errors and greater clarity in our work.
Angel Madzhirov
CEO
SmartIT has been a key partner in our ongoing digital transformation, with a strong focus on improving customer experience and optimizing our business processes. Their team played a crucial role in the development of our mobile application for credit consultants.
Evgeni Hristov
Head of Business Analytics & Innovation
SmartCheck is a core ERP system within our company and a key component of our daily operations. The SmartIT team stands out for its high level of professionalism and fast response when support is needed.
The numbers behind SmartCheck
2
Operating on 2 continents
9+
Present in 9+ markets
1M+
1M+ end customers served through our platform
730K+
Loans successfully processed & disbursed (and counting)
€760M
Over €760M in loans funded via our platform
14+
Trusted by 14+ fintechs & lenders
Our modules are built to
solve the complexity of modern lending
Features that matter
SmartCheck
Others
Credit Decisioning
Real-time, rule-based + AI scoring
Static rules, batch processing
Credit Lifecycle
End-to-end, unified
Fragmented, manual
Product Setup & Launch
No-code, days/weeks
Dev-heavy, months
Automation
Fully automated
Partial, manual
Integrations
API-first, plug & play
Custom, slow
Process Automation
End-to-end automation
Partial / manual steps
Onboarding & KYC
Digital, automated
Manual, slow
Compliance
Built-in (GDPR/DORA/local)
External, manual
Scalability
Real-time, high-volume
Limited, costly
Monitoring & Analytics
Real-time, unified data
Delayed, siloed
Cost of Ownership (TCO)
Low, predictable
High, hidden costs
Used by finance experts across the globe:
FAQ
Questions about SmartCheck? We have the answers.
What is SmartCheck?
SmartCheck is a modular fintech platform designed for non-bank financial institutions to manage the entire credit lifecycle – from customer onboarding and loan approval to servicing, collections, and reporting.
Who is SmartCheck designed for?
SmartCheck is built for:
- Non-bank lenders
- Consumer finance companies
- Digital lending platforms
- Organizations offering installment loans, credit lines, or credit cards
It supports both individual and corporate lending.
What types of lending products I can launch with SmartCheck?
SmartCheck supports a wide range of products, including:
- Installment loans (short- and long-term)
- Payday loans
- Revolving credit lines
- Credit cards
All products are fully configurable based on your business needs.
How does SmartCheck support compliance (KYC, AML, GDPR)?
SmartCheck includes built-in compliance features:
- KYC data collection and verification
- AML screening
- GDPR-compliant consent management
- Full audit trails and role-based access control
We already have customer and credit data. Can it be migrated?
Yes. SmartCheck supports secure data migration of:
- Customers (individuals and companies)
- Active and closed loans
- Payment history and balances
How quickly can we launch with SmartCheck?
Thanks to its modular architecture, SmartCheck can be implemented quickly and incrementally, depending on your scope and integrations.
Need more information?
Reach out to our team anytime.
Contacts
Legacy solutions are limiting your growth. Let's change that.
Launch your lending business fast with our modular platform and scale without limits
SmartCheck lets you launch and scale your next financial product in days, not months -
because with us, technical complexity is a thing of the past
because with us, technical complexity is a thing of the past
Get a personalized quote
Trusted by clients worldwide
Used by finance experts across the globe: