Modern infrastructure for African Microfinance

Cladfy provides Microfinance Lenders with loan management software, alternative credit scoring solutions, and access to competitive loan-book financing sources.


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Credit Scoring

CashIQ: A Cash flow data-based underwriting engine

Alternative credit scoring from mobile money and bank statements analysis.

Mobile Money and Bank Statements analysis for credit scoring

Say “yes” to more qualified borrowers and reduce risk with verifiable lending insights.

Personal and Business Accounts
Statement tampering detection
Web and API Access
1000+ Data points

And More

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Loan Management

Microlender: An end-to-end loan management system

One platform for all your back-office and front office processes.

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Easy-to-use client onboarding tools for loan officers, and a self-service option for clients.

Loan book financing

Finance for on-lending

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

On-demand working capital

Draw-down liquidity only when you need to disburse.

Flexible loan periods

Repayment schedules that make sense for your business.

Competitive interest rates

Affordable rates that allow you to maximise your spread.

Features

Beat your competition with Cladfy

Why Choose Cladfy?

End-to-end Solutions
Web, Mobile, API Access
AI
Smart Insights
Easy to Customize
User Friendly
Clean & Easy to Understand APIs
Free Updates
A Modern design, Fresh look and Feel
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Flexible Pricing Plans
Press

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Start lending with confidence today!