We enable
tech forward lenders.

MO Technologies is the Next-Gen Credit Core ®
empowering innovation in the credit space. Launch your lending operation in a matter of weeks and grow exponentially with a product built to scale.
Trusted by top lending innovators
First cloud native and API first multi asset Loan Management System ready for LATAM and USA!

Our platform:

MO Manage
Next-Gen Credit Core ®

Through in-house proprietary tech, we offer an integral immersive servicing solution for our partners that allows them to centralize and digitize the core of their credit operation.

First cloud native and API first Loan Management System compliant ready to enable any lending asset class in Latam region and USA. Launch your credit operation in a matter of weeks with a seamless integration to our platform.

The Three pillars of our Loan Management System (LMS)

Build the credit
product you imagine

Create tailor-made offer configurations with +200 configurable parameters supporting any asset class (Revolving credit, Installment loans among others ).

A product built
to scale and expand

Manage and expand to multiple credit products, seamless integrate to third parties, relying in a compliant ready infrastructure (ISO 270001).

Agile deployment
in weeks not months

Integrate to our RESTful API with support all along the way for a 3-4 weeks time-to-market on average and continuing deployment as our product evolves.

Admin portal

Back-office environment that allows the lender to entirely manage and monitor their credit operation seamlessly in a self-service manner

Product Configuration Wizard: Create new credit products and offers from scratch and launch in minutes.
Loan Manager (CRM) : Manage your day to day customer operations with granular visibility per customer, credit, payments and more
BI Dashboards: Make strategic decisions on your lending business with real time 360 visibility

Support any asset class

First cloud native Multi-Asset Lending System for LATAM and USA
Integrated with Galileo to provide our Credit Card Servicing Solution

Credit Card Core

MO’s Next-Gen Credit Card Core support commercial and retails card programs in multiple countries, integrated with the processor
Revolving, installment logics (i.e. Mexico and US - Revolving, Colombia - Installment)
LATAM and USA ready to be launch with per country specific product and logics ensuring compliance to market nuances
API integration to any card processor of choice
First cloud native Multi-Asset Lending System for LATAM and USA
Integrated with our borrower portal to provide an End-to-End lending experience
Integrated with our borrower portal to provide an End-to-End lending experience

Buy now pay later

We enable clients to offer the global credit trend product through tailor-made offers and the ability to help merchants increase their revenues
Configurable Down-payment as a percentage of the purchase
Independent and dedicated Merchant Portal for BNPL operation
Native integration with regional collection channels and flexibility for new integrations
First cloud native Multi-Asset Lending System for LATAM and USA
Integrated with our borrower portal to provide an End-to-End lending experience

Installment loan

Preferred digital credit product offer by fintech to SMBs, and natural person

Multiple billing schemes in addition to interest, such as administration costs, origination costs, among others
Multiple loan repayment schemes (i.e. fixed or variable installments) installments
Native integration with regional payment and credit disbursement channels and platform flexibility for new integrations
First cloud native Multi-Asset Lending System for LATAM and USA
Integrated with our borrower portal to provide an End-to-End lending experience

Payroll Advance

Benefit of on-demand salary offered by financial institutions, private companies to employees or independent workers
Automated salary deduction through integration with the employer’s accounting or treasury system
Flexible configuration payment frequency based on the payroll cycle (i.e. weekly, biweekly, or monthly)
Multiple billing schemes in addition to interest, such as administration costs, among others
First cloud native Credit Card Ledger System ready to launch!
Integrated with our borrower portal to provide an End-to-End lending experience

Merchant cash advance

Ideal product for companies which serve merchants networks that control flows of income such as POS or mPOS acquirers, aggregators, payment processors, correspondents, among others
Direct loan repayment collection from the source through daily deduction from the merchant’s sales
Direct loan disbursement into the account of the merchant or commerce network

We do much more than servicing!
MO Borrower Portal | E2E Credit Lifecycle

White label borrower portal to enable a seamless digital customer journey to request a credit product in minutes and manage the credit lifecycle

Offer seamless credit experience within users shopping journey.

Provide flexible cash-funding so merchants leverage working capital needs.

Expand your business while giving credit access to borrowers in fixed installments.

Industries we target

Lending as core

Fintech
Banking
MO Manage
Next-Gen Credit Core ®

Lending as add-in

Retail
Ride-Hailing
Consumer Goods
Payments
Logistic
MO Manage
Next-Gen Credit Core ®
+
MO Borrower Portal
Onboard  + Origination + Servicing
MO Technologies has helped Galileo strengthen our offering with a flexible credit card core that allows us to offer a variety of credit card solutions across markets
Tory Jackson - Head Of Business Development and Strategy LATAM
Looking for a One-stop-shop Issuing Processor and Credit Servicing System to launch our Credit Card Product in Mexico was challenging and tempting, but choosing the MO loan management system and Galileo issuing processor working in a bundled and integrated scheme has exceeded our expectations in terms of flexibility of the product configuration, time to market and a diligent and competent team supporting us all along the way.
Chito Padilla  -  CEO for Fintonic in LATAM
MO is enabling our customers to take the leap forward into the credit space with a disruptive technology to launch innovative lending use cases that legacy platforms lack such as Buy Now Pay Later, Merchant Cash Advance, Microcredits integrated within our card products.
Thiago Dias - SVP Fintech, Enablers & Crypto, LAC at Mastercard
Having MO Technologies by our side is very relevant for us. It will certainly lead to our business growth and to keep focusing on covering the customers’ demand for new financial products and services through tech solutions.
Francisco Léon  -  CEO for PayU in LATAM

Numbers speak for themselves

+10
Countries in Latin America & The Caribbean
+20
Top-tier clients
+1M
Users
+100
MOvers (Employees)
70%
Of our workforce have tech based careers.

Trusted by world-class brands through global vendors and partners

Less than 10% get accepted to the Mastercard start path program.

Launch your next credit operation with MO

To learn more about our solutions contact us to speak to a representative or request a demo.