Custom systems,built end to end.

CRMs, iOS and Android apps, websites and WhatsApp setup. Professional work at a budget price, with deep experience in loan advisory.

Get an instant quoteTry the CTOS analyzer
Starts at
RM 3,500
Live in
1 to 2 weeks
After go-live
1 month of free adjustments
Your data
Imported for free

A customer messages at 11:42 pm.

NexFlows answers on WhatsApp in seconds and files the lead in your pipeline, so it never goes cold.

The systems your business runs on, built by one team.

  • CRM systems, end to end

    We start with a short call, write a one-page spec, build the system, import your data and set up your team. One place for leads, pipeline, follow-ups and reports, with no IT team needed on your side.

    • Leads and pipeline
    • Roles and teams
    • Reports
    • Data import
    See pricing

  • Loan advisory systems

    This is our speciality. Autodialer, CTOS (credit report) analysis, DSR (debt service ratio) checks, commission and payout, and bank submissions, built from how loan teams really work. Available ready-made.

    • Autodialer
    • CTOS analysis
    • DSR
    • Commission and payout
    Try the CTOS analyzer

  • iOS and Android apps

    Apps simple enough for anyone to pick up: large text, big buttons and plain words.

    • iOS
    • Android
    • Simple by design
    See how we design them

  • WhatsApp (WABA)

    Your own company number on WhatsApp Business (WABA), the official WhatsApp platform for businesses, with approved message templates and a shared team inbox. We handle the registration and the setup.

    • Own company number
    • Templates
    • Team inbox
    See what is included

  • AI assistants

    Ask your own data a question in plain English and get the answer with a chart, for agents and for the boss.

    • For agents
    • For the boss
    • Your database
    Try the demo

  • Websites

    Company websites designed and built to match your brand, so your site and your systems feel like one business.

    • Design
    • Build
    • Your brand
    Get an instant quote

A loan advisory CRM your team can start on day one.

The system we built for loan advisory teams, as a monthly subscription. Your team signs in, your data comes across, and you are working.

RM 1,000 a month

For 20 users. Available now.

Extra users beyond 20
RM 50 a user a month
iOS and Android app
RM 250 a month, on request
One-time setup
RM 1,500, includes your own WhatsApp (WABA) number, data import and training
Book a demo on WhatsApp

What is in the package

    • 1-1 autodialer on your own paired phone
    • Big outcome buttons, callbacks and call history
    • Lead import from Excel, shared out across your team
    • Pipeline with bank submissions and stages you choose
    • A document checklist on every case
    • CTOS analysis, personal and SME: add the PDF or key it in
    • DSR check and consolidation calculator
    • A proposal summary you can copy or download as a PDF
    • Boss, team leader, sales, sales admin and freelance agent roles
    • Everyone sees only their part
    • An activity log of who did what
    • Commission schemes with tiered rates
    • Monthly payout statements, locked once paid, exported to a spreadsheet
    • Accounting: fee and payment tracking, with reminders
    • Your own company number, registered and set up by us
    • Approved message templates and a shared team inbox
    • Ask in plain English: sales, top agents, the pipeline, what is overdue
    • Every answer comes with a chart
    • One view for agents and one for the boss
    • Your existing data imported
    • Training for your team

All of it, for RM 1,000 a month

20 users included. 0 of 8 modules shown.

Not in the package: the multi-line dialer (RM 5,000 setup, then RM 500 a month). The phone app and extra users are add-ons, priced above.

Try the CTOS analyzer yourself.

This is the real analysis screen, running on sample data. Play with it, or load your own report.

Open the CTOS analyzer

On this page your report is read in your browser and never uploaded. Inside the CRM, the PDF is read on our server.

  1. 1

    Pick a report

    Use the sample, or drop in a CTOS, eCCRIS or Experian PDF. If it has a password, you will be asked for it.

  2. 2

    Add income, tick debts

    Type the gross monthly income, then tick the debts to settle. The DSR moves as you go.

  3. 3

    Read it, take it away

    See if the customer is eligible and how much room is left, then copy the summary or download the PDF.

Loan Advisory CRM · Pipeline

Sample data

Pipeline

20 cases this month, worth RM 3.86m. Select a stage to see who is in it.

Analysis 4 cases, RM 617,800

  • Nurul Huda

    Analysis

    Refinancing, Sunrise Bank

    Daniel TanRM 310,000

  • Kinta Fresh Foods Sdn Bhd

    Analysis

    SME loan, Orchid Bank

    Farah AzizRM 150,000

  • Joanne Pang

    Analysis

    Business loan, Bayu Bank

    Priya NairRM 120,000

  • Rashid Omar

    Analysis

    Personal loan, Kenari Bank

    Hafiz RahmanRM 37,800

Agents should talk, not wait for rings.

The 1-1 autodialer calls one number at a time from the agent's own phone. The multi-line dialer works a list in parallel and brings an agent in only when a call is answered.

IllustrationBoth run on the same clock. Names and numbers are made up.

Illustration of two dialers on the same clock. On the 1-1 autodialer, one agent on their own paired phone dials one number at a time. Each unanswered number rings for up to 25 seconds, is marked No answer, and the agent waits before the next number rings. On the multi-line dialer, 3 agents share 8 lines. The lines ring in parallel. Busy, dead and unanswered numbers are dropped without reaching an agent, and a call that is answered is connected to a free agent straight away while the other lines keep dialling. Every call is recorded. 9 calls are connected in the loop.

1-1 autodialer

One agent, one call at a time.

Included in the Loan Advisory CRM

Multi-line dialer

For teams that dial all day.

RM 5,000 setup, RM 500 a month

How it dials
1-1 autodialer

One number at a time.

Multi-line dialer

Several numbers at once: 3 agents share 8 lines.

When an agent is connected
1-1 autodialer

Straight away. The agent waits through every ring. With auto-dial on, a call that rings out for 25 seconds (you can set 5 to 60) is marked No answer and the next number is dialled.

Multi-line dialer

Only when someone picks up. Busy tones, dead numbers and unanswered rings never reach an agent.

The phone
1-1 autodialer

Your own phone, paired to the browser with a QR code. Real cellular calls.

Multi-line dialer

A softphone (calling software) on the agent's computer. We install the line gateway, the box that connects your phone lines, and set up the softphones.

Outcomes
1-1 autodialer

Big buttons: Interested, Not interested, No answer, Callback, Wrong number.

Multi-line dialer

The same outcome buttons, on the agent board next to the live call.

Leads
1-1 autodialer

Works through the lead lists in your CRM.

Multi-line dialer

Campaigns with spreadsheet lead import, and a do-not-call list that applies to every campaign.

Records and reports
1-1 autodialer

Call history with the outcome of every call.

Multi-line dialer

Every call recorded and playable from the call log, plus per-agent performance.

Best for
1-1 autodialer

Teams that make calls for part of the day.

Multi-line dialer

Teams that dial all day.

Price
1-1 autodialer

Included in the Loan Advisory CRM.

Multi-line dialer

RM 5,000 one-time setup, then RM 500 a month. Call charges are billed by your own phone company.

Ask about the multi-line dialer

Your own WhatsApp number, official and set up for you.

We register your company with WhatsApp Business (WABA), set up your number, templates and shared inbox, and train your team. It is included in the Loan Advisory CRM setup, and free with any custom build that wants it.

  • A company number that belongs only to you
  • Registration and full setup, done by us
  • Approved message templates for follow-ups and reminders
  • One shared inbox for your whole team

Meta reviews the account and each message template before it goes live, and we handle the submissions. WhatsApp message charges are billed by Meta directly to your company, so you always see exactly what you pay.

A

Aisyah, new enquiry

WhatsApp · +60 12-••• 4821

Waiting 0:00

Tuesday, 11:42 pm

Sample conversation

Just ask.Get the answer and the chart.

The assistant works on your own database, and it is there for agents and for the boss. It is included in the Loan Advisory CRM.

Boss asks
How is today going, who is leading, where the pipeline leaks, what is overdue.
Agent asks
Who to call next, how much commission this month, what I closed this week.

Press a question, or type your own.

Ask your CRM

Demo with sample data

Ask about sales, your agents, the pipeline or overdue follow-ups. Pick a question below or type your own.

Your day, sorted.

Callbacks that are due come first, so nobody has to remember who to ring.

Apps simple enough for anyone to use.

We build iOS and Android apps for your team and your customers. Every screen is designed so a first-time user, at any age, knows exactly what to tap.

Large text
Text follows the size set on the phone, so it is easy to read.
Big buttons
Easy to hit with one thumb, even on the move.
Plain words
No jargon and no hidden menus. One clear job on every screen.

Custom apps are quoted with your build. For the Loan Advisory CRM, the phone app is RM 250 a month, on request.

Ask about an app

Professional systems at a budget price.

Every custom build is end to end: we plan it, build it, move your data and set up your team. One price, agreed before we start.

  • Live in 1 to 2 weeks
  • 1 month of free adjustments after you go live
  • Free data import and migration
  • Free WhatsApp (WABA) registration and setup on request
  • Pay 30% to start and the balance when you go live
  • Optional care plan from RM 250 a month for hosting, security and support

  • Starter

    Solo to 5 staff, up to 3 modules

    RM 3,500

    30% deposit to start

  • StandardRecommended

    6 to 15 staff, or 4 modules

    RM 6,500

    30% deposit to start

  • Professional

    16 to 50 staff, or 5 modules and up, with integrations

    RM 12,000

    30% deposit to start

  • Enterprise

    Multi-branch, unlimited users, billed by milestone

    From RM 30,000

    Billed by milestone

Apps and websites are quoted with your build. The multi-line dialer is RM 5,000 setup, then RM 500 a month.

Instant quote

Answer three quick questions and get an estimate, then send it to us on WhatsApp.

How many people will use the system?

Loan systems we've already shipped.

A named client

FM Advisory Sdn. Bhd.

A Malaysian loan advisory agency that runs its leads, calling, cases, agreements and reports on one NexFlows system. Named with its permission.

Read the FM Advisory case study

More builds, with the client names left out

  • CRM, autodialer and AI on WhatsApp, in one system.

    The complete team CRM, plus a custom autodialer for the whole agency, automated WhatsApp follow-ups, AI that replies to customers and escalates the chats that need a human, fee tracking, and agreements generated and sent automatically.

    • Calls, WhatsApp and follow-ups run on autopilot
    • AI answers customers and escalates when it matters
    • Agreements drafted and sent without manual work
    • CRM
    • Autodialer
    • AI WhatsApp
    • Agreements

You talk to the team that builds it.

Jayden, founder of NexFlows

Jayden

Founder, NexFlows

Jayden founded NexFlows in 2025 and leads a team of four in Kuala Lumpur. You talk to the people who build your system.

Registered in Malaysia
SSM 202503197904 (003754718-A)
Based in
Sunway Velocity, Kuala Lumpur
Founded
2025
Reach the founder
WhatsApp +60 12 606 6679
A named client
FM Advisory Sdn. Bhd., read the case study
Prices and terms
Prices and terms are public
About NexFlows
“Before NexFlows, our leads and cases lived in Excel sheets. Now every lead, call and case is in one place, each agent knows what to do today, and I can see where every case stands without chasing anyone. NexFlows built it around the way we already work, and when we ask for a change, it gets done.”
Michelle, Co-founder, FM Advisory Sdn. Bhd.

Questions people ask before they start.

What does end to end mean?

We handle all of it: a short call to understand how you work, a one-page spec, the build, moving your data, setting up your team, and support after you go live. You do not need an IT team.

How long does a build take?

Most systems are live in 1 to 2 weeks from the day the spec is agreed. The one-page spec includes a realistic date before you commit.

How does payment work?

You pay 30% to start and the balance when your system goes live. Enterprise builds are billed by milestone, scoped together.

What if I need changes after you go live?

Adjustments are free for the first month. After that an optional care plan, from RM 250 a month, covers hosting, security updates, fixes and support, and bigger changes are quoted first.

Will you move my existing data?

Yes. It is free on every custom build, and included in the setup of the Loan Advisory CRM. We import your leads and customer records from Excel or your old system, and check them with you before you go live.

What is the Loan Advisory CRM and who is it for?

It is a ready-made system for loan advisory teams: autodialer, pipeline, roles and teams, commission and payout, CTOS analysis, DSR checks, a WhatsApp inbox and an AI assistant. It is RM 1,000 a month for 20 users and available now. Extra users are RM 50 each a month, and there is a one-time setup of RM 1,500 that includes your WhatsApp setup, data import and training.

What does the WhatsApp (WABA) setup include?

We register your company with WhatsApp Business (WABA), set up your own company number, message templates and team inbox, and train your team. It is included in the Loan Advisory CRM setup and free with any custom build that wants it. Meta reviews the account and each message template before they go live, and we handle the submissions. Meta bills the WhatsApp message charges to your company directly.

What is the difference between the 1-1 autodialer and the multi-line dialer?

The 1-1 autodialer places one call at a time through your own phone, and is included in the Loan Advisory CRM. The multi-line dialer dials several numbers at once and connects an agent only when someone answers. It is RM 5,000 one-time and RM 500 a month for 3 agents on 8 lines. We install the line gateway (the box that connects your phone lines) and set up softphones, the calling software, on your team's computers.

Do you build mobile apps and websites?

Yes. We build iOS and Android apps that are simple enough for anyone to use, and we design and build websites. Both are quoted with your build. For the Loan Advisory CRM, the phone app is RM 250 a month on request.

Is my data safe?

Your data lives on our secured servers and stays yours. We do not sell it, and we share it only with the providers that run the service. You can export your leads and customers to Excel, and we give you a copy of the rest of your data on request. If you leave, we delete your data on request.

Not sure where to start? Ask us.

Tell us about your team and what is slowing it down. A person reads every message.

Want to see it first? Book a 20-minute demo.

Send us a message

WhatsApp number preferred.

What do you need?

We reply on working days. We use your details only to reply to you. See our privacy policy.

WhatsApp
+60 12 606 6679The fastest way to reach us.
Email
[email protected]
Our office
VO1-12-16 Office Tower, Sunway Velocity, Jalan Peel, Maluri, 55100 Kuala Lumpur