Enterprise rate card · Effective Q2 2026
An AI workforce for credit-financing institutions.
Bolehlah.ai is AI-native credit-decision infrastructure for regulated lending businesses — the AI is the core, not a feature. Every plan includes the full workspace, training tools, complete audit trails, and client-siloed memory. Your data is never shared with another institution. Priced in Ringgit Malaysia — no hidden fees, no per-loan charges.
For licensed money lenders, credit institutions and salary-deduction lenders across Malaysia
The Workforce
Seven Officers. One standard of work.
Every Officer has a personality, a voice, and clear boundaries. Upgrade any Officer to Director tier for greater capacity and wider autonomous authority.
Underwriter
Reviews · risk
Coming soon
Operations
Processing · disbursement
Sales
Leads · conversion
Customer Support
Members · service
Finance
Loan book · portfolio
Investor Relations
Reports · stakeholders
Coming soon
Compliance
KPKT · BNM · audit
Plans
Pick a plan by the size of your book.
Start free, then choose a plan based on how many Officers your institution needs. Move up any time — your Officers carry their training and memory with them.
Priced like staff: a full AI Officer runs below the fully-loaded cost of a junior analyst (~RM 3,150/month in the model below) — and never sleeps.
Pay annually and get 2 months free: Plus RM 38,990 · Pro RM 98,990 · Max RM 168,990 per year
BT — Bolehlah Tokens, the platform usage unit. Your monthly allowance covers decisions, screenings and officer work; top up any time.
USD shown for reference only at RM 4.70 = USD 1, reviewed quarterly. All billing in MYR.
Launch programme
What's coming next
Enterprise track — Investor portal
The Enterprise track opens: the Investor portal and the Investor Relations Officer arrive — raise and report capital with confidence.
Enterprise
For institutions that run at scale.
A separate arrangement for banks, DFIs, government-linked lenders and large credit institutions — sold by contract, not self-serve. Dedicated infrastructure, bespoke integration, and SLAs scoped to your operation.
Enterprise Basic
Institutional
Banks, DFIs and government-linked lenders
Launching soon
Enterprise deployment by contract — unlimited seats, the full Director workforce and bespoke integration.
Enterprise Pro
Bespoke deployment
The largest institutions — dedicated infrastructure, bespoke integration and SLAs
Launching soon
The bespoke tier — dedicated infrastructure, custom integration and priority SLAs for the largest institutions.
Enterprise plans are priced per engagement after a discovery call — implementation, data migration, integration and SLAs are scoped to your institution. Talk to us and we'll quote it plainly.
Enterprise packages
Four ways institutions run Bolehlah
Structured engagements on the Enterprise track — scoped, contracted and onboarded with you.
Koperasi Flagship
The complete operating system for one large koperasi.
Established koperasi running a full salary-deduction loan book.
from RM RM 50,000 / month
- Everything in Max, plus every add-on: ANGKASA operations, member ecosystem, auditor workspace and the Shariah trade engine.
- Dedicated onboarding with your officers trained on your book.
- Priority support with a named response commitment.
- Negotiated BT allowance sized to your decision volume.
Koperasi Group
One flagship, every entity in the group connected.
Groups running several koperasi or lending entities under one roof.
+ RM RM 8,000–RM 15,000 / month · per additional entity
- Koperasi Flagship for the anchor entity.
- Each additional entity onboarded as its own isolated tenant — books, members and audit trails never mix.
- Consolidated group reporting across the entities you own.
Sovereign — Private Deploy
The decision engine inside your own walls.
Institutions whose mandate requires processing inside their own VPC or data centre.
RM RM 250,000–RM 400,000 setup + RM RM 400,000–RM 600,000 / year licence
- A dedicated private deployment: raw data is processed inside your environment and only anonymised decision intelligence is retained.
- Delivered as a dedicated build engagement with your infrastructure team.
- Annual software licence with updates and a named SLA.
Capital Markets & IR
Show funders a verifiable book, not a slide deck.
Koperasi and lenders raising institutional or structured funding.
+ RM RM 15,000–RM 20,000 / month
- The investor portal with read-only funder access and statements.
- Verified loan tape and structured-funding transparency, consent-gated and PDPA-safe.
- Funding-chain disclosure controlled by you, entity by entity.
Indicative — final commercial terms are confirmed at engagement.
In Detail
What's included, side by side.
| Feature | Free | Plus | Pro | MaxComing soon |
|---|---|---|---|---|
| AI Workforce | ||||
| Officers included | Support only | 1 (your pick) | 3 (your pick) | 5 + 1 Director |
| Director upgrades | — | Add-on | Add-on | 1 included |
| Capacity | ||||
| Monthly BT allowance | 200 BT/mo | 1,000 BT/mo | 4,000 BT/mo | 10,000 BT/mo |
| Allowance alerts | We notify you at 85% usage and recommend the right upgrade — no surprise bills. | |||
| Workspace | ||||
| Users | 1 | 2 | 5 | 15 |
| Audit trails | Complete, exportable, on every plan | |||
| Client-siloed memory | Your data is never shared with another institution — on every plan | |||
| Channels | ||||
| Member channels | In-app chat | Telegram (WhatsApp soon) | Telegram · web portal | |
| Compliance & Security | ||||
| Regulatory alignment | Built for the Moneylenders Act 1951, salary-deduction workflows, and PDPA — on every plan | |||
| Support | ||||
| Response SLA | Community | Email · 24h | Chat · 8h | Dedicated CSM · 2h |
Your Numbers
See what a tier returns on your book.
Built on the four value drivers for salary-deduction lending: faster submission turnaround, fewer rejected files, edge-case recovery, and processing labour saved.
Indicative monthly value
Capital velocity — modelled at 1.4 days faster disbursement (3.8d → 2.4d submission-turnaround assumption)
RM 5,717
Fewer rejected submissions — model assumes rework falls from 5% to 1%
RM 630
Edge-case recovery — death, dismissal, retirement, cap-breach flags
RM 14,583
Processing labour saved
RM 9,450
Total indicative value / month
RM 30,380
3.1× return on your monthly subscription. Payback inside the first month.
Indicative model for discussion only — assumes typical salary-deduction book yield and payroll-deduction repayment behaviour. Your Bolehlah consultant will calibrate this against your actual portfolio data before any commitment.
The Fine Print, Plainly
How billing works.
Billed in Ringgit. No metering games.
Your subscription covers everything in your tier. No per-loan fees, no per-decision charges. When you approach your BT allowance, we tell you at 85% and recommend the right next step — usually a Director upgrade, not a penalty bill.
Onboarding is a conversation, not a fee table.
Implementation, data migration, and team training are scoped to your book and your systems. Talk to us and we'll quote it plainly before you sign anything.
Your members deserve answers in days, not weeks.
Walk through the rate card with us, see the Officers work on a live sandbox, and get a calibrated ROI model for your actual book.