Emicro

Consumer Lendingemicro.my

Emicro Services Sdn Bhd is a Malaysian KPKT-licensed mobile-first micro-lender offering personal loans from RM500 to RM100,000 to Malaysian citizens aged 21–50 earning RM1,500+ per month, disbursed via its iOS and Android apps.

Company typePrivate
Founded-
HeadquartersKuala Lumpur, Malaysia
Headcount11–50
GTM typeB2C
OfferingServices

What Emicro does

Emicro Services Sdn Bhd is a Malaysian KPKT-licensed moneylender that delivers a mobile-first micro-lending platform to Malaysian consumers. The company targets citizens aged 21 to 50 earning at least RM1,500 per month, offering personal loans ranging from RM500 to RM100,000 with approval and disbursement promised within six working hours. Emicro positions itself as a legal, licensed alternative to informal lending, emphasising quick turnaround, minimal documentation (NRIC, payslip, utility bills), and self-serve access via iOS and Android apps plus a web application portal.

The core technology is a single-product mobile lending application that uses SMS OTP verification for identity, mobile document upload for KYC, and integrates with Malaysian payment rails — online banking transfer, ATM transfer, JomPAY, and FPX — for both disbursement and repayment. There is no evidence of modular platform architecture, third-party SDK distribution, or AI/ML-based underwriting; the product is a standalone self-serve app backed by manual review and Malaysian credit bureau checks against CCRIS and CTOS.

Emicro's revenue model is straightforward transactional interest income on originated micro-loans at regulated profit rates of 12% p.a. (with collateral) and 18% p.a. (without collateral), supplemented by an 8% annual late-payment interest and a fixed RM25 penalty on loans unpaid within seven days of the due date. Distribution is product-led growth through app stores and a domestic-only website, with a toll-free hotline for support. The company is a single-country, single-product, single-segment operator with no disclosed investors, subsidiaries, or partnerships, and no publicly available revenue, funding, or headcount-trend data.

Emicro firmographics

Firmographics

Name: Emicro
Legal name: Emicro Services Sdn Bhd
Website: https://emicro.my
Company type: Private
Operating status: Operating
Headcount range: 11–50 employees
Short description: Emicro Services Sdn Bhd is a Malaysian KPKT-licensed mobile-first micro-lender offering personal loans from RM500 to RM100,000 to Malaysian citizens aged 21–50 earning RM1,500+ per month, disbursed via its iOS and Android apps.
Ownership category
akta.pro rank

Where Emicro is headquartered

Location

Headquarters

HQ city: Kuala Lumpur
HQ country: Malaysia
HQ region: Asia

Offices1 record

Markets served

Emicro business model

Business model

GTM type: B2C
Offering type: Services
Cost components: Personnel, Operations, Technology or R&D, Marketing or Sales

Revenue model

Micro-loan Interest Income: Emicro generates revenue through interest charged on micro-loans. Profit rates start as low as 1.5% per month (18% p.a. without collateral, 12% p.a. with collateral). The company provides loans ranging from RM500 to RM100,000 for Malaysian citizens meeting minimum income requirements.
Late Payment Penalties: Additional revenue from late payment interest (8% annual) and penalty fees (RM25.00) charged when borrowers fail to repay within 7 days of due date.

Pricing tiers

Model	Billing	Price
Usage-based	Monthly	Collateral-backed loans with lower profit rate
Usage-based	Monthly	Unsecured loans with standard profit rate

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Emicro product offering

Product offering

Core offering

Emicro Services Sdn Bhd is a licensed Malaysian moneylender that provides micro personal loans ranging from RM500 to RM100,000 to Malaysian citizens through a mobile application (iOS and Android). Loans are disbursed within 6 working hours with profit rates capped at 12% p.a. with collateral or 18% p.a. without collateral, and repayment is supported via online banking, ATM, JomPAY, and FPX.

Product overview

Emicro operates as a single-product mobile lending platform offering micro personal loans to Malaysian citizens. The core offering consists of the Emicro Mobile Application available on Android and iOS, which enables users to apply for instant cash loans of up to RM1,000 with approval within 6 hours. The service is positioned as a quick, legal, and hassle-free alternative to traditional lending, with flexible repayment options and minimal documentation requirements. There is no modular or platform-based architecture — the product is the standalone mobile application.

Differentiator

Problem solved

Functional benefit

Products and services

Emicro Mobile Application

Quantifiable outcome

Loan disbursement within 6 hours during working hours
+2 more outcomes

Companies that use Emicro

Customer profile

Segments1 record

Ideal customer profiles1 record

Emicro technology and API

Technology

Technology focussed No

API detail

Has API: No
API docs
API detail

Core technology

AI maturity

App detail

Feature4 records

Emicro partnerships and signals

Strategic signal

Scale indicators4 records

Recent moves4 records

Expansion highlights2 records

Emicro competitors and assessment

Company assessment

Emerging players

Atome: Atome is a BNPL provider operating in Malaysia that extends consumer credit at checkout for online and offline merchants. While it focuses on point-of-sale installments rather than cash loans, it competes for the same underbanked Malaysian borrower seeking short-term credit.

Direct peers

Kredito: Kredito is a Malaysian licensed online moneylender providing small personal loans via a mobile app with rapid disbursement. It is a direct competitor to Emicro in the mobile micro-lending segment, targeting similar income and age profiles with comparable loan sizes.
Cashwagon Malaysia: Cashwagon operates a mobile-based personal micro-loan platform in Malaysia targeting similar underbanked consumers with fast approval. It competes head-on with Emicro on speed, mobile UX and small-ticket personal cash loans under the same Malaysian moneylending regulatory framework.
Pinjam Gampang: Pinjam Gampang is a Malaysian licensed digital moneylender offering fast personal loans through a mobile-first process. It directly overlaps with Emicro on product, target borrower (Malaysian wage earners), and PLG distribution via app stores.

Peers

AEON Credit Service Malaysia:

Market position

Strengths1 record

Weaknesses1 record

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

Emicro compliance and trust

Trust signal

Compliance1 record

Emicro financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Emicro leadership team

Management profile

Number of profiles

Emicro funding detail

Funding detail

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

Emicro M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Emicro

What does Emicro do?

Is Emicro a public or private company?

Emicro is a private company. It is classified as unknown and is currently operating.

When was Emicro founded?

Emicro was founded in -1. It employs 11 to 50 people.

Where is Emicro based?

Emicro is headquartered in Kuala Lumpur, Malaysia, in the Asia region.

How does Emicro make money?

Two revenue lines are on record. Micro-loan Interest Income is the primary driver. The others are late Payment Penalties.

Who are Emicro's main competitors?

Atome is listed as an emerging player. Direct peers are Kredito, Cashwagon Malaysia and Pinjam Gampang. AEON Credit Service Malaysia is listed as a peer.

Does Emicro have an API?

No public API is recorded for Emicro.