Assess creditworthiness using transaction history, income patterns, and behavioural signals. Deliver consistent, explainable credit decisions in under 30 seconds.
Traditional credit appraisal is slow, inconsistent, and hard to scale. Here's how the Engine changes it.
Proprietary ML model evaluates creditworthiness across 12+ risk factors — transaction history, income stability, spending behaviour, repayment patterns, and more.
Extracts and analyses data from bank statements, payslips, and financial records automatically. No manual data entry or document rekeying.
Evaluates income consistency, expense patterns, and cash flow volatility. Detects irregular deposits, seasonal fluctuations, and potential over-leverage.
Flags suspicious patterns — rapid fund movements, inconsistent income declarations, round-tripping, and other red flags before they become losses.
Every appraisal produces a plain-English rationale. Loan officers and borrowers see exactly why a decision was reached — no black boxes.
Aggregate appraisal trends across your entire loan book. Track approval rates, average risk scores, and portfolio health in real time.
Upload bank statements, payslips, ID documents, or pull transaction data via API. Supports PDF, CSV, and direct integrations.
Our engine extracts financial data, scores 12+ risk factors, runs fraud checks, and calculates a creditworthiness score — all in under 30 seconds.
View the appraisal result with a clear Pass/Refer/Decline recommendation, risk breakdown, and full explainability report for each factor.
Approve, adjust terms, or decline with one click. Export the appraisal report or integrate the decision into your core banking or loan management system.
Process loan applications in real time. Applicant submits statements, receives a credit decision and offer within seconds — no waiting, no back-and-forth.
Re-appraise your entire loan portfolio periodically. Identify deteriorating risk profiles early and take proactive measures before defaults occur.
Screen applicants before they formally apply. Determine creditworthiness upfront so only qualified applicants proceed to full underwriting.
Generate appraisal reports that meet CBN, FATF, and international standards. Every decision includes a complete, auditable rationale.
Evaluate whether to restructure an existing loan. Analyse current financial position, repayment history, and updated risk score to inform the decision.
Assess the financial health of vendors, suppliers, and business partners before onboarding. Standardised credit checks for B2B relationships.
Start with our Free plan — 5 credit appraisals included. No credit card required.