SME Lending

SME lending powered by verified business activity

Run AI-assisted loan applications, underwriting, internal scoring, statement analysis, borrower profiles, and repayment monitoring using verified business activity from mobile money and payment rails.

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Built For

Loan officers

Credit analysts

Underwriters

Collections teams

MSME portfolio teams

Problems It Replaces

SMEs often apply with thin files, scattered statements, and self-reported turnover

Loan officers spend days checking M-Pesa, bank, Paystack, Paybill, and invoice evidence manually

Internal scorecards are hard to defend when borrower evidence is fragmented

Collections teams see repayment stress late because payment behavior is not monitored continuously

Outcomes

What teams get back

Outcomes are tied to live documents, auditable records, and agent workflows rather than disconnected one-off tools.

Turn applications, statements, mobile money activity, and storefront records into lender-ready borrower files

Generate underwriter briefs, score explanations, and proof packs linked to source evidence

Use verified sales, settlement, repayment, and cashflow signals to support faster credit decisions

Monitor repayment behavior and early-warning signals after approval

Workflow map

How the operating system works

Domain agents, grounded retrieval, and live outputs are mapped to the way this team actually works.

Loan application and borrower profiling

Step 1

AI-assisted application intake for business details, loan purpose, documents, and consent
Borrower profiles built from storefront records, M-Pesa, Paybill, Paystack, bank statements, and invoices
Statement analysis that extracts turnover, seasonality, inflows, expenses, and repayment capacity
Evidence proofing that flags missing, inconsistent, or unverifiable borrower claims

Underwriting, scoring, and monitoring

Step 2

Internal scoring workflows with explainable score inputs and analyst override notes
Underwriter memos with source-linked reasoning, risks, mitigants, and recommended limits
Repayment monitoring across mobile money and payment rails after disbursement
Early-warning signals for declining sales, missed repayments, settlement delays, and cashflow stress

Concrete Workflows

Specific operational work this vertical can move into live documents and agent-assisted execution.

Collect loan applications with business details, documents, consent, and requested amount

Build borrower profiles from storefront activity, M-Pesa, Paybill, Paystack, and bank statements

Extract monthly turnover, inflows, expenses, seasonality, and repayment capacity from statements

Compare declared revenue against observed sales and settlement history

Generate source-linked underwriter briefs for loan officers and credit committees

Run internal scorecards with explainable inputs, analyst comments, and override trails

Flag missing statements, suspicious screenshots, duplicate files, and inconsistent borrower claims

Recommend credit limits, repayment schedules, and risk mitigants from verified operating data

Monitor repayment behavior and payment rail activity after disbursement

Surface early-warning signals when sales slow, settlements drop, or repayments are missed

Regulatory Alignment

Borrower consent and data protection requirements

KYC, AML, and affordability assessment policies

Credit committee documentation standards

Collections, repayment, and customer treatment policies

Proof Points

Connects storefront sales records and payment activity directly to credit workflows.

Gives underwriters source-linked borrower profiles instead of disconnected PDFs and screenshots.

Keeps loan decisions, score inputs, analyst notes, and repayment signals reviewable.

SME Lending

Ready to modernize sme lending workflows?

See how live documents, AI agents, and auditable records can fit your team’s operating model.

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