Infrastructure for
Last Mile Lending

We help SACCOs, Cooperatives, Fintechs, and Microfinance lenders originate loans faster, assess risk accurately, and automate repayments all in one platform.

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1000+Data Signals

70%Faster Decisions

NPLDecreases Daily

Backed by world-class partners & accelerators

End-to-End Platform

Everything you need to
lend with confidence

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

Microlender

Core Banking

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

Origination & Onboarding
KYC & KYB
Logiclabs scorecards
On-Chain Credit

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CashIQ

Cashflow Underwriting

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

Personal & Business Accounts
Logiclabs scorecards
KYC & KYB
Cladfy Copilot

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Paza for Fintechs & Banks

Banking on WhatsApp

Let your customers check balances, repay loans, transfer money and access banking services directly from WhatsApp.

Onboarding & KYC
Banking Services
Customer Engagement
No Mobile App or USSDs

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Hi, I want to apply for a loan

You're pre-qualified for KES 50,000.

Review & sign loan agreement

P Review & sign loan agreement

Secure loan agreement signing for PazaBank customers.

paza.cladfy.com

Agreement signed

Confirmed and approved

Disbursement initiated

KES 50,000 credited to your account

Amount well received thanks

Repayment schedule sent

Thanks

... and that's it!

For Individuals

Personal Finance Management

CashIQ (Cashflow Intelligence) helps you understand your personal spending and cashflow on WhatsApp. No app required.

Bank & mobile money statements
Personal spending insights
Savings & investments
On WhatsApp and web

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Today

Welcome to CashIQ. Get your spending insights. Choose an action below to get started.

Reply menu anytime

09:41

Start here

CashIQChoose an action to get started.

My financial health 09:41 ✓✓

Your CashIQ financial health

Health score: 50/100 (fair)

Monthly average: in KES 0 · out KES 190,692

Watch: Average monthly cashflow is negative.

View all insights on your web dashboard.

09:41

Web dashboard M-Pesa statement Bank statement

CashIQ on WhatsApp

Built in

Included in Microlender
and CashIQ

Logiclabs, Copilot, and KYC & KYB ship inside Microlender and CashIQ.

Logiclabs

No-code credit scorecards inside Microlender and CashIQ.

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Cladfy Copilot

AI assistant built into Microlender and CashIQ.

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KYC & KYB

Identity and business verification inside Microlender and CashIQ.

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eSignatures

Digital document signing for loan agreements.

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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

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Access capital from our network of financing partners

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.

Intelligence embedded
in every decision

At Cladfy's core is our proprietary AI and machine learning models. They power credit scoring, risk assessment, fraud detection, and portfolio analytics.

01Alternative Credit Scoring

02Statement Tampering Detection

03Predictive Risk Modeling

04Portfolio Intelligence

Press & Recognition