Build powerful credit scorecards with Logiclabs
Design, test and deploy credit scoring models in minutes, not months. Drag-and-drop simplicity meets enterprise-grade analytics, built into Microlender and CashIQ.
Design a scorecard in 4 simple steps
Create a Scorecard
Name your scorecard, select the type, and define the scoring range.
Add Parameters
Drag and drop scoring parameters from our library or create custom ones.
Set Weights & Rules
Assign weights, thresholds, and conditional logic to each parameter.
Score Applicants
Publish your scorecard and score loan applicants in Microlender or CashIQ.
Scoring models on one builder
Demographic Score
Assess creditworthiness based on applicant demographics; age, location, employment, education, and more. Ideal for first-time borrowers with limited credit history.
Deposits Score
Analyze transaction and deposit patterns to determine financial stability. Evaluate cash-flow consistency, savings habits, and deposit frequency.
Repayment Score
Evaluate historical repayment behavior across previous loans. Track on-time payments, defaults, and repayment patterns to predict future performance.
Statement Score
Score cashflow from bank and mobile money statements in CashIQ. Mix evidence, set bands and knockouts, then approve, refer, or decline.
Natively embedded in Microlender and CashIQ
A no-code credit scorecards builder. Design and deploy custom scorecards for onboarding, underwriting, and monitoring, inside the apps you already use.
- Your Data, Your Variables
- Your Thresholds, Your Models
- Real-time tuning
- No-code builder
Inside Microlender
Build demographic, deposit, and repayment scorecards in app.cladfy.com and score applicants as loans come in.
Inside CashIQ
Configure statement, cashflow, and decision scorecards in dashboard.cladfy.com as part of underwriting.
Real-Time Decisions
Scores are computed instantly as applications and statements come in, giving officers immediate guidance.
Full Audit Trail
Every score is recorded and traceable in Microlender and CashIQ for compliance and review.
Start building scorecards today
Open Logiclabs inside Microlender or CashIQ and design your first credit scorecard in minutes.