Last-mile lending infrastructure for emerging markets

Cladfy provides Microfinance Lenders with loan management & statements analysis software, and connects them to affordable, reliable, financing partners.






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Loan Management, Credit Profiling, Loan Book Financing

End-to-end Loan Management

One platform for all your back-office processes

Cladfy Origination.

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

Cladfy Assessment.

Use our custom credit profiling model to shorten your loan approval time.

Loan Management, Credit Profiling, Loan Book Financing

Cladfy Core.

Powerful dashboard for loan officers to visualize client applications, repayments and reports.

Cladfy Engagement.

Communicate with your clients via Bulk SMS to notify them about repayments & new offers.



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Credit Profiling

Mobile Money & Bank Statements analysis for assessing a client's affordability and ability to pay.

Data Input

Easy upload of bank & mobile money statements via PDF or API integration.

Data Analysis

Proprietary machine learning technology to analyse client data.

Powerful Insights

Understand your client's income sources and spending patterns.

Credit Decision

Receive an estimated loan ability ie how much your client can afford.



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Affordable and Reliable Financing

Loan Book financing from our partners.

On-demand working capital.

Draw-down liquidity only when your business needs it.

Flexible loan periods.

Repayment schedules that make sense for your business.

Competitive interest rates.

Affordable rates that allow you to maximise your income.



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Beat your competition with Cladfy

Safe, Simple, and Secure.

Tech infrastructure & tools designed to automate your processes.

Client Onboarding.

Automated 2-way texting.

Collections, without the pain.

Reconciliations, without the hustle.

Reports from individual staff & branches.

Transaction Data Analysis to assess creditworthiness.

Mobile Money & Bank Statements.

Calculated loan ability estimates.

Insights on borrowing & spending.

Consumer permissioned workflows.

Working Capital facility from our partners to fund your loanbook.

Revolving funds.

Fundraising, without the wait.

Flexible interest rates and repayment period.









Start lending with confidence today!

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Loan Management, Credit Profiling, Loan Book Financing