PhotonMatters
Micro

Products · Micro

Micro Lending.

Built for speed and scale, our microfinance engine handles high-volume, low-value lending with seamless automation.

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Every micro-credit product, one engine.

Micro Personal Loans

Small-ticket loans (typically $50–$1,000) offered to individuals with limited credit history.

Tenure
1 to 12 months
Disbursement
Instant or same day
KYC
Simplified e-KYC integration
Use case
Emergency, medical or short-term personal expenses
Specialized credit

Connectivity-native credit products.

Airtime Credit

Instant top-ups, repayable via mobile wallets or salary deduction.

Data Credit

Stay connected with micro-data loans tailored to usage patterns.

Device Financing

Affordable smartphone and device ownership through flexible EMIs.

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Launch micro-credit at scale.

Design, launch and manage your micro-lending programs your way, API-first, AI-native and live in weeks.