AI-Powered Lending Infrastructure

Modern infrastructure for
Last Mile Lending

One platform for SACCOS, cooperatives, and microfinance lenders across Africa to originate loans, assess risk, disburse capital, and collect repayments; powered by proprietary AI and machine learning.

1000+Data Signals
70%Faster Decisions
APIFirst Infrastructure
Cladfy Platform

Backed by world-class partners & accelerators

UNDP Alt Finlab IFC Techstars Singapore FinTech Festival Disrupt Africa Tech Trends Africa
Platform

Everything you need to
lend with confidence

An integrated suite of AI-powered tools for every stage of the lending lifecycle.

Cash flow Underwriting

CashIQ

Alternative credit scoring from mobile money and bank statements analysis with 1000+ data points.

  • Personal & Business Accounts
  • Tampering detection
  • Web and API Access
  • 1000+ Data points
Learn more
CashIQ
Loan Management

Microlender

An end-to-end lending management system. One platform for all your back-office and front-office processes.

  • Origination & Onboarding
  • Assessment & Approvals
  • Analytics Dashboard
  • 2-way Communications
Learn more
Microlender
Credit Scorecards

Logiclabs

A no-code credit scorecards builder. Design and deploy custom scorecards for onboarding, underwriting, and monitoring.

  • Your Data, Your Variables
  • Your Thresholds, Your Models
  • Real-time tuning
  • No-code builder
Learn more
Logiclabs
Loan Book Financing

Finance for On-Lending

Affordable and reliable loan book financing to on-lend from our partners.

  • On-demand working capital
  • Flexible loan periods
  • Competitive interest rates
  • Draw-down on disbursement
Learn more

Access capital from our network of financing partners

Add-ons

Extend your stack with
powerful plugins

Additional tools and integrations to complement your lending platform.

Why Cladfy

Built to give you an
unfair advantage

End-to-end Solutions

From origination to portfolio management, everything in one platform.

Web, Mobile, API

Access your tools from anywhere.

Smart AI Insights

Proprietary ML models that improve with your data.

Easy to Customize

Configure workflows and rules without writing code.

User Friendly

Intuitive interfaces requiring minimal training.

Clean APIs

Well-documented APIs for seamless integrations.

Free Updates

Continuous improvements at no additional cost.

Flexible Pricing

Plans designed to scale with your business.

Powered by AI

Intelligence embedded
in every decision

At Cladfy's core is our proprietary AI and machine learning model. It powers credit scoring, risk assessment, fraud detection, and portfolio analytics.

01Alternative Credit Scoring
02Statement Tampering Detection
03Predictive Risk Modeling
04Portfolio Intelligence
AI
Press & Recognition

In the news

Start lending with
confidence today

Join microfinance lenders across Africa who are already using Cladfy to grow their portfolio, reduce risk, and serve more borrowers.