Last-mile lending infrastructure for emerging markets
Cladfy provides micro-lenders with loan management & statements analysis software, and connects them to affordable, reliable, financing partners.
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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.
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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Statements Analysis
Cashflow Data 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.
Cashflow & 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.
