Borrower checks with the evidence kept on file.

Borrowers apply with a photo of an ID card, and every search behind the loan is ordered separately.

Fill Easy confirms identity with the government and returns each search with your loan reference.

Talk to salesSend a test order
Subject Loan L-2026-088: searches
  1. Credit teamcredit@example.com
    To agent@fill-easy.com

    For loan L-2026-088, please run a litigation search and a bankruptcy and winding-up search on Harbour Crest Trading Limited.

  2. Fill Easy agentagent@fill-easy.com
    To credit@example.com

    Confirmed: two searches for loan L-2026-088.

    Price and turnaround: as per your rate card.

Illustrative thread. The company and the loan are fictional.

1 · The problem

Large books draw fraud. Inspections find gaps.

2 · Where the time goes

The same case, today and with Fill Easy.

The same loan, today and with Fill Easy.

The case

A borrower applies online with a HKID card

Today

A photo and a declaration
  1. Photo of the HKID card and a selfieNothing confirms the card with its issuer.
  2. Details typed in by the borrowerEntered by hand, then compared with the photo.
  3. Bankruptcy search ordered separatelyA second request, with its own reply.
  4. The gapDeepfaked photos on lost ID cards were used to open bank accounts and apply for loans (LCQ13, Jun 2026).

With Fill Easy

Identity from the government
  1. Borrower signs in with iAM SmartFrom the government, with the borrower's consent.
  2. China eID for Mainland borrowersA tap of the ID card, under the Standard Contract.
  3. Bankruptcy search ordered alongsideFrom the Official Receiver's records, by API or email.
  4. Evidence kept with the loan fileWith source, retrieval time and your loan reference.
  5. Verified at sourceGovVerify: iAM Smart

3 · What it saves

What each desk saves in a year.

Five minutes instead of hours, across a year on that desk.

The example

Applications a month
500
Loaded credit officer cost per hour (HK$)
250

Credit officer time per application

Today30 min
With Fill Easy5 min

Working days to verify the borrower

Today2 days
With Fill Easy5 min

Saved per year

HK$625,000

Credit team cost freed

1.3 credit officers' full-time work

  • 2,500

    Credit officer hours freed

  • 2

    Working days sooner

  • 11,938

    Borrower-days sooner

Illustrative figures, not client data.

4 · Proof

Results at Jump Finance.

Jump Finance verifies borrowers with iAM Smart, built into Innotech System's lending platform.

Money lending, Hong Kong

Borrower identity verified in seconds.

Time to apply for a loan

Manual ID checkHours
With iAM SmartMinutes
Integrating 'iAM Smart' through Fill Easy is a definitive game-changer for the money lending industry. In a sector where 'time-to-cash' is critical, we have successfully replaced slow, manual KYC processes with instant, government-grade verification.
Stephen KooInnotech System
Seconds
to verify a borrower's identity
No uploads
borrowers no longer photograph their HKID
First
iAM Smart onboarding for Hong Kong money lenders
Read the announcement

Fill Easy announcement, Dec 2025

5 · How to start

Built into the application, or ordered by email.

Two routes to the same evidence, each carrying your loan reference.

  • Mailbox Available

    For credit and operations teams

    1. Email the order to agent@fill-easy.com
    2. The agent confirms what it will run
    3. Reports land in the same thread
    How the email agent works

  • API Available

    For loan apps and origination systems

    1. Your application flow calls the API
    2. The borrower consents at source
    3. Structured result back, with a PDF
    API overview

CRM Coming soonDelivery into the CRM your team uses is not available yet. Tell us which one you use.

CRM status

Questions money lenders ask

Not covered here? Ask our team

Can a borrower verify without coming in?

Yes. The borrower signs in with iAM Smart, or taps a Mainland ID card in China eID, and consents. You receive the identity from the government scheme.

Which searches can we order by email?

Land searches, current and full; litigation searches; bankruptcy and winding-up searches; company searches; and the money lenders register. Email the order to agent@fill-easy.com with your loan reference.

Is the loan reference kept on the result?

Yes. Every result records its source, retrieval time and the reference you gave, so the evidence behind each approval is on file for review.

How does government-verified identity help against ID fraud?

Deepfaked photos on lost ID cards have been used to take out loans in Hong Kong (LCQ13, Jun 2026). With iAM Smart or China eID, the identity comes from the government with the borrower's consent, not from a photo of a card.

Can we run a land search before a property-secured loan?

Yes. Current or full land searches show the registered owner and existing mortgages and charges, and come back as the Land Registry document with your loan reference.

Can we check guarantors as well as the borrower?

Yes. Litigation, bankruptcy and winding-up searches run on the borrower and each guarantor, in the same order.

Can we check a corporate borrower with a Mainland parent?

Yes. A company search and ownership structure for the borrower, and the Mainland parent's KYB and credit report with shareholders and financials, in English.

Move your search orders without changing how your team works.

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