Credit Appraisal Engine
Assess creditworthiness using transaction history, income patterns, and behavioural signals. Deliver consistent, explainable credit decisions in under 30 seconds.
Manual appraisal vs. AI-powered
Traditional credit appraisal is slow, inconsistent, and hard to scale. Here's how the Engine changes it.
Key features
AI Risk Scoring
Proprietary ML model evaluates creditworthiness across 12+ risk factors — transaction history, income stability, spending behaviour, repayment patterns, and more.
Automated Document Analysis
Extracts and analyses data from bank statements, payslips, and financial records automatically. No manual data entry or document rekeying.
Income & Cash Flow Assessment
Evaluates income consistency, expense patterns, and cash flow volatility. Detects irregular deposits, seasonal fluctuations, and potential over-leverage.
Fraud & Anomaly Detection
Flags suspicious patterns — rapid fund movements, inconsistent income declarations, round-tripping, and other red flags before they become losses.
Explainable Decisions
Every appraisal produces a plain-English rationale. Loan officers and borrowers see exactly why a decision was reached — no black boxes.
Portfolio Analytics
Aggregate appraisal trends across your entire loan book. Track approval rates, average risk scores, and portfolio health in real time.
How it works
Submit Documents
Upload bank statements, payslips, ID documents, or pull transaction data via API. Supports PDF, CSV, and direct integrations.
AI Analyses Risk
Our engine extracts financial data, scores 12+ risk factors, runs fraud checks, and calculates a creditworthiness score — all in under 30 seconds.
Review Decision
View the appraisal result with a clear Pass/Refer/Decline recommendation, risk breakdown, and full explainability report for each factor.
Act or Integrate
Approve, adjust terms, or decline with one click. Export the appraisal report or integrate the decision into your core banking or loan management system.
Built for lenders and decision-makers
For Lenders
View documentation- Microfinance banks assess loan applicants in seconds instead of days
- Digital lenders automate underwriting for instant lending decisions
- Credit unions evaluate member creditworthiness with consistent scoring
- Loan officers get decision support with clear, explainable rationale
- Risk managers monitor portfolio health and adjust lending criteria dynamically
For Organisations
- Banks centralise credit appraisal across branches with uniform scoring policies
- Fintechs embed credit decisions into their loan origination workflows via API
- Holding companies assess subsidiary credit risk with standardised metrics
- Regulatory teams generate audit-ready appraisal trails for every decision
- Lending platforms scale from 100 to 100,000 appraisals without adding headcount
Common use cases
Instant Loan Decisions
Process loan applications in real time. Applicant submits statements, receives a credit decision and offer within seconds — no waiting, no back-and-forth.
Batch Portfolio Review
Re-appraise your entire loan portfolio periodically. Identify deteriorating risk profiles early and take proactive measures before defaults occur.
Applicant Pre-Screening
Screen applicants before they formally apply. Determine creditworthiness upfront so only qualified applicants proceed to full underwriting.
Regulatory Compliance Reporting
Generate appraisal reports that meet CBN, FATF, and international standards. Every decision includes a complete, auditable rationale.
Loan Restructuring Assessment
Evaluate whether to restructure an existing loan. Analyse current financial position, repayment history, and updated risk score to inform the decision.
Vendor & Partner Onboarding
Assess the financial health of vendors, suppliers, and business partners before onboarding. Standardised credit checks for B2B relationships.
From hours to seconds — without sacrificing rigour
Start with our Free plan — 5 credit appraisals included. No credit card required.