We help SACCOs, Cooperatives, Fintechs, and Microfinance lenders originate loans faster, assess risk accurately, and automate repayments all in one platform.
Backed by world-class partners & accelerators
An integrated suite of AI-powered tools for every stage of the lending process.
An end-to-end lending management system for all your back-office and front-office processes.
Alternative credit scoring from mobile money and bank statements analysis with 1000+ data points.
Let your customers check balances, repay loans, transfer money and access banking services directly from WhatsApp.
Secure loan agreement signing for PazaBank customers.
paza.cladfy.comCashIQ (Cashflow Intelligence) helps individuals and merchants understand personal spending and business cashflow on WhatsApp. No app required.
Welcome to CashIQ.
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Logiclabs, Copilot, and KYC & KYB ship inside Microlender and CashIQ.
No-code credit scorecards inside Microlender and CashIQ.
Learn more →AI assistant built into Microlender and CashIQ.
Learn more →Identity and business verification inside Microlender and CashIQ.
Learn more →Digital document signing for loan agreements.
Learn more →Affordable and reliable loan book financing to on-lend from our partners.
Access capital from our network of financing partners
From origination to portfolio management, everything in one platform.
Access your tools from anywhere.
Proprietary ML models that improve with your data.
Configure workflows and rules without writing code.
Intuitive interfaces requiring minimal training.
Well-documented APIs for seamless integrations.
Continuous improvements at no additional cost.
Plans designed to scale with your business.
At Cladfy's core is our proprietary AI and machine learning models. They power credit scoring, risk assessment, fraud detection, and portfolio analytics.
Contributed to IFC's Report - Cracking the Credit Code: Alternative Data and AI for Financial Inclusion
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Visit Blog →Join microfinance lenders across Africa who are already using Cladfy to grow their portfolio, reduce risk, and serve more borrowers.