Finzo Advisory
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Built by advisors. Engineered like a bank.

The infrastructure for Malaysia's mortgage advisory agencies.

From the first calculator click to the final commission paid. One platform, fully white-labeled, built by the team running Malaysia's largest independent refinancing desk.

Start freeBook a 15-min demo

No setup fees · Live in 48 hours · Cancel anytime

finzo.my / cases / ALC-2026-0042 / commission
Live
Lawyer leg · auto-calculated
RM 2,572.00
Distributed across the tier chain
DA
Dan Agent
agent
65.0%
RM 1,170.26
CS
Carol Sr
senior_agent
15.0%
RM 489.75
BU
Bob UM
unit_manager
7.5%
RM 244.88
AA
Alice AM
agency_manager
5.0%
RM 163.25
Or
Owner residual
agency
7.5%
RM 244.88
Audit logged· user, timestamp, before/after retained
Σ 100.0%

Works with every major Malaysian bank

MaybankCIMBRHBPublic BankHong LeongAmBankOCBCUOBStandard CharteredHSBCBank IslamAffin BankAlliance BankMBSBBank RakyatBSNCitibankBank MuamalatMaybankCIMBRHBPublic BankHong LeongAmBankOCBCUOBStandard CharteredHSBCBank IslamAffin BankAlliance BankMBSBBank RakyatBSNCitibankBank Muamalat
The problem

Most agencies are still held together with WhatsApp threads and Excel sheets.

Commission disputes

Tier splits done by hand. Co-broke math debated every payout cycle. One missed deduction loses you a senior agent.

Pipeline blindness

No one knows whose case is at which bank, or how long it has been sitting there. Submissions slip through the cracks every month.

Director bottleneck

Approvals, lawyer assignments, agent onboarding, lead routing — all funnel through one inbox. The agency cannot scale past you.

The platform

One platform. Six modules.

Built for agencies running 5 to 500 advisors. Every module ships ready to use on day one.

01

Branded calculator

White-labeled to your domain. Lead capture above the loan comparison. AI-generated refinance analysis on every result.

02

Case lifecycle

Draft → submitted → approved → accepted → paid. Every transition logged, every document versioned.

03

Payout engine

Multi-tier hierarchy. Co-broke splits. Manager overrides. Special arrangements per case. Auto-calculated, audit-logged.

04

Org chart and roles

Agent → senior → unit manager → agency manager. Promote, demote, schedule changes for next quarter. Full role history retained.

05

Referrer network

External partners register, get a unique code, share calculator links anywhere. They earn from every closed deal.

06

Reports & intelligence

Live commission flow. Top-10 leaderboards. Month-over-month trends. Bank performance breakdowns.

Spotlight

Configure every rule.
Audit every action.

Tier percentages, bank panels, payout structures, branding, document templates — every setting in Finzo is yours to configure. Every change, every status update, every payout is logged in an immutable audit trail with the user, timestamp, and before/after values. When a dispute happens, the answer is one filter away.

Per-agency configuration

Your tier %, your bank panel, your payout rules. No two agencies on Finzo run the same setup.

Immutable audit log

Every status change, every payout calculation, every document upload — retained for the life of the agency.

Role-scoped visibility

Agents see their own numbers, managers see their team, owners see the agency. Cross-agency data is fully isolated.

Audit log · live
retained for life of agency
2m
Acme Admin
Approved case ALC-2026-0042
8m
Dan Agent
Submitted 3 documents
14m
System
Commission auto-calculated · RM 2,572
22m
Carol Sr
Updated client phone number
1h
Acme Admin
Tier % updated · agent 65 → 67
3h
System
Agency-settings change scheduled
How it works

Live in 48 hours.

01

Spin up your subdomain

Sign up, choose youragency.finzo.my, upload your logo and brand colours. Provisioned instantly.

02

Configure your business rules

Set tier percentages, define your bank panel, add panel lawyers, configure co-broke and override rules.

03

Onboard your team

Invite agents, seniors, unit managers by email. Roles, hierarchies, payout details — one branded flow.

04

Run cases the way you already do

Calculator, fact-find, document upload, status tracking. Splits the moment a case is marked accepted.

RM 0
Setup fees, ever
0
Tier hierarchy depth
0 mo.
Document retention
0%
PDPA compliant by default
Who it's for

Built for every stage of agency growth.

Independent advisors

1 – 5 agents

Replace your Excel sheet. Look like a top 1% agency from day one. Free forever, up to 5 agents.

Growing teams

5 – 50 agents

Stop being the bottleneck. Let the platform handle commission math, status updates, and lead routing while you grow.

Established firms

50+ agents

Custom domain, API access, multi-layer reporting, dedicated success manager. Run your operation like a fintech.

Pricing

Priced to scale with you.

Flat monthly. No per-agent charges. No setup fees.

Free
RM 0/ month

For small teams getting started

  • Up to 5 agents
  • Branded subdomain
  • Full feature access
  • “Powered by Finzo” badge
Start free
Most popular
Pro
RM 299/ month

For agencies ready to scale

  • Unlimited agents
  • Custom domain
  • Remove all Finzo branding
  • Priority email support
Start free
Enterprise
RM 999/ month

For established firms

  • Everything in Pro
  • API access
  • Dedicated success manager
  • Custom SLA + onboarding
Talk to sales
Why Finzo

Built by advisors.
Engineered like a bank.

Finzo Advisory was built inside QAI — Malaysia's largest independent refinancing agency. Every workflow, every commission rule, every audit policy has been stress-tested on a real desk doing RM-millions in monthly placements. We are not a SaaS team that read about mortgages. We are advisors who built the platform we always wished we had.

Ready to run your agency
like a fintech?

Start free. Bring your team. Live in 48 hours.

Start free Book a demo