Powering African Microfinance
Cladfy provides Microfinance Lenders with modern loan management software, alternative credit scoring solutions, and access to competitive loan-book financing sources.
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End-to-end Loan Management
One platform for all your back-office processes.
Cladfy Origination.
Easy-to-use client onboarding tools for loan officers, and a self-service option for clients.
Cladfy Assessment.
Integrated proprietary & 3rd party credit scoring models to lend to the right borrowers faster.
Cladfy Core.
Powerful dashboard for your staff to visualize loans, deposits, expenses and other reports.
Cladfy Engagement.
Communicate with your clients via automated web notifications, 2-way Bulk SMS and emails.
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Alternative Credit Scoring
Mobile Money, Bank Statements, Repayments, Savings and Background data analysis for assessing a borrower's affordability and ability to pay.
1 Cashflow Score
Plus a loan ability and affordability estimate from analysis of Bank & Mobile-Money statements.
2 Demographic Score
This is based on an applicant's background information; Occupation, Location, # of dependents...
3 Deposits Score
Analysis of a client's deposit/savings behavior; Consistency, Amounts, Timeliness, Partial deposits...
4 Repayment Score
This is based on a borrower's payment behavior; Amounts, Time, delinquencies...
Explore the scores View API Docs
Affordable and Reliable Financing
Loan Book financing to on-lend from our partners.
On-demand working capital.
Draw-down liquidity only when your business needs it.
Flexible loan periods.
Repayment schedules that make sense for your business.
Competitive interest rates.
Affordable rates that allow you to maximise your spread.
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Insights on AI-powered lending
Equip your team to optimize loan processing and risk management.
Lend smarter with AI
Beat your competition with Cladfy
Simple, Secure and Smarter.
Tech infrastructure & tools designed to automate your processes.
Loan portfolio management.
Collections, without the pain.
Reconciliations, without the hustle.
Automated 2-way communication.
Unlimited performance reports.
Alternative Data analysis for credit assessment.
Insights from mobile money & bank statements analysis,
Demographic score from a borrower's background data,
A Deposits score from a client's deposits and davings,
A Repayment score from patterns in loan repayment,
And it is all consumer-permissioned.
Working Capital facility from our partners to fund your loanbook.
Revolving funds.
Fundraising, without the wait.
Flexible interest rates and repayment period.
