Cladfy FS - M-Pesa and Bank Statements analysis
Automated Analysis of Bank & Mobile Money statements for deeper insights into cash flow metrics and income

Cladfy enables lenders to Assess creditworthiness, set loan limits and onboard high-quality borrowers.

Get a free Trial

Decide with confidence

Faster, More Accurate Lending Decisions!


Human in the loop approach allow you to get easy access to consumer-permissioned financial transaction data

Free Trial

Cleaned, processed, and normalized data

We have developed proprietary approaches to reduce the noise inside bank transaction data

Free Trial

Attributes Proven to Predict Risk

Use our hundreds of attributes designed to evaluate affordability and credit risk. All built for underwriting use cases.

Free Trial

For many industries

We empower banks, credit unions, fintechs, and lenders to make informed financial decisions.

Free Trial
Retrieve data from M-Pesa and Bank Statements using our document automation software:

(100+ pages in seconds)

What we do

What's in the box?

Empower your underwriters, using Cladfy's comprehensive report of key financial metrics to lend more efficiently.

Cash flow

Evaluate financial health using bank data and cash flow analytics


Auto-Calculate income for consumers from diverse sources.


See the current loans being serviced and the repayment history.


Quickly retrieve all savings amounts and platforms used.

Ready to Go?

See how our Financial Statements analysis software can help improve your loan appraisal during field work and at the office!

Book a free Demo