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 analysis for assessing a borrower's affordability and ability to pay.
Data Input
Upload bank & mobile money statements on a web dashboard or via APIs.
Data Analysis
Proprietary machine learning technology to analyse borrowers' data.
Powerful Insights
Understand your borrower's income sources and spending patterns.
Credit Decision
Receive an estimated loan ability and see how much an applicant can afford.
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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 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.
