About Cladfy

Our Story

It all started from a simple question in Oct 2020;

How do we match our siblings and Friends who work as Mtu wa Mjengo (" Swahili for casual construction workers") or bodaboda riders with the best loan products?

From our research we noticed how fundamental this problem was in the lending vertical and In the attempt to solve it a team of entrepreneurs and engineers founded Cladfy Financial Services in 2021.

Since then we have commited our Skills and Resources to work on the technology needed to help Businesses lend to the 100 Million + Online and Offline African Gig workers.
Our solution enable Lenders to discover Small Businesses, Freelancers, College Students and Content Creators; who oftentimes lack "Traditional" Credit Scores.


  • 1. What problem are we solving?

    Loan Apps Digital Lenders and MFIs in Kenya and most African Nations lack Direct Access to Consumer Data from National Credit Bureaus.

    This translates to Prospecting Challenges & low Credit offers for borrowers.

  • 2. What is our innovation?

    Cladfy's core innovation is a CRB-equivalent consumer data analysis, credit scoring and credit limit setting system

    Lenders can now profile and determine the creditworthiness of the loan applicants in seconds

  • 3. Who can use Cladfy's Solutions?

    We designed our tools for Loan Officers, Credit Risk Manager/committee and Direct Integrations with Loan Apps.

    We work with telco companies, lenders and other credit product providers for the best services and experiences.

Our Company values are:

  • People First: Our employees and customers come first. We seek to always show empathy and understanding.
  • Build Bridges, not Walls: We believe in supporting the traditionally disadvantaged.

  • Play as a Team, Win as a Team
  • Pursue Growth and Learning
  • We Create and Innovate
  • We are True to Self

We love what we do.

See how it works