AI-powered lending platform
Cladfy provides Microfinance Lenders with smart 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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Credit Profiling
Mobile Money, Bank Statements, Repayments, Savings and Background data analysis for assessing a borrower's affordability and ability to pay.
1 Loan limit Estimate
Analysis of Bank & Mobile-Money statements to estimate loan ability and affordability.
2 Demographic Score
This is based on an applicant's background information; Occupation, Location, # of dependents...
3 Deposits Score
This is based on the client's deposit behavior; Consistency, Amounts, Timeliness, Partial deposits...
4 Repayment Score
This is based on a borrower's payment behavior; Amounts, Time, delinquencies...
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Affordable and Reliable Financing
Loan Book financing to on-lend 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 spread.
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Insights on AI-powered lending
Equip your team to optimize loan processing and risk management.
Lend smarter with AI
Beat your competition with Cladfy
Simple, Secure and Smarter.
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 and Background Data Analysis.
Mobile Money & Bank Statements,
Insights on borrowing & spending,
Patterns in Deposits and repayment,
Social profile from background data,
Calculated loan ability estimates,
And it is all Consumer permissioned.
Working Capital facility from our partners to fund your loanbook.
Revolving funds.
Fundraising, without the wait.
Flexible interest rates and repayment period.
