Transforming Nano Finance in Malaysia
Money When You Need It.
Lending That Feels Right.
CIXOR is a cutting-edge, cloud-based nanofinance solution designed to empower lenders and borrowers across Malaysia, especially the B40 community. Our lightweight, scalable platform makes lending more accessible, affordable, and efficient.
Strategic Pricing
Multilingual
Shariah-Compliant
Real-time Portfolio
Global Accessibility
High Availability
Addressing the Challenges of Nano Finance
A Digital Solution Built for Nano Lenders
Many nano lenders face high costs, outdated technology, and accessibility issues. CIXOR provides an affordable, scalable, and easy-to-use solution that simplifies lending and borrowing for everyone.

High-Cost Solutions
Cost-effective SaaS model

Lack of Mobile Solutions
Mobile-friendly and always accessible

Difficult Deployment
Quick and easy remote setup
Seamless Lending & Borrowing in a Few Clicks
A simple, intuitive, and secure process designed for ease of use.



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Who We Serve
Supporting nano lenders, small businesses, entrepreneurs, self-employed individuals, and underserved communities across Malaysia.






Empowering Financial
Freedom for All
Our mission is to create an inclusive financial ecosystem that aligns with the UN’s Sustainable Development Goals. With CIXOR, anyone can become a lender or borrower, driving economic growth in Malaysia.
Scalable, Affordable
& Ready to Deploy
Whether you are a first-time lender or an established nano finance provider, CIXOR’s cloud-based platform is designed to grow with you. Get started today!
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