Creditlinker
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Our story

Built for businesses
that deserve better
access to capital.

Creditlinker was founded on a simple observation: SMEs globally are financially active, operationally real, and chronically underserved by traditional credit infrastructure. We started by solving this in Africa, where the gap is most visible.

For businesses Get in touch

Our mission

“Transform fragmented financial data into persistent, verifiable financial identities and connect those identities to the capital they deserve.”

Financial data ingestedReal transaction data
Identity typeMultidimensional, 6-D
Capital categories14 financing types
Consent modelExplicit, revocable
Settlement verificationBank-data matched

14

Financing types supported

6

Financial health dimensions

100%

Consent-governed data access

0

Credit records required

The problem

SMEs have financial history.
Capital providers can't see it.

Traditional credit infrastructure was built for formal balance sheets and bureau records. Most African SMEs don't have those - but they do have transaction histories, cash flows, and repayment behavior.

Financial activity exists, but isn't structured

Businesses transact every day: payments in, expenses out, recurring suppliers. That data lives in bank statements that nobody reads systematically.

Credit bureaus miss operational reality

Bureau records capture formal credit events. They miss cash flow, revenue patterns, and expense discipline - the signals that actually predict repayment.

Capital providers have no trusted data layer

Financers operate on unverified financials and guesswork because there is no infrastructure that turns real financial activity into a verifiable identity.

What we built

Financial identity
infrastructure.

Creditlinker is the data layer between businesses and capital, turning raw financial activity into a verified, multidimensional identity that any capital provider can query with consent.

The pipeline

Raw financial data

Bank transactions, accounting records, operational data

Normalization and enrichment

Categorized, de-duplicated, reconciled, confidence-scored

Feature store

Revenue growth, cash flow, expense ratios, liquidity metrics

6-D financial identity

Scored across 6 independent financial health dimensions

Consent-gated capital access

Capital providers query identities; businesses grant access

What we stand for

Values that
shape the platform.

Every design decision in Creditlinker - from the consent model to the scoring architecture - reflects what we actually believe.

Consent first

No capital provider sees a business's financial identity without explicit, revocable, time-limited consent. Always.

Real data only

Financial identities are built from actual transaction histories - not self-reported figures, projections, or guesswork.

Multidimensional

A single credit score compresses too much. Six independent dimensions reveal the actual shape of a business's health.

Data provenance

Every computed metric tracks its source data: which account, which transactions, which time range. Full transparency.

Two-sided trust

Reputation signals are built for both businesses and capital providers. The platform rewards reliability on both sides.

Built for Africa

Designed around NGN-denominated transaction data and the financing realities of African SMEs, not imported from elsewhere.

Why we're different

Not a financer. Not a bureau.
Infrastructure.

Creditlinker does not extend capital or adjudicate credit. It builds the data layer that makes better capital decisions possible.

CapabilityCredit bureausTraditional financersCreditlinker
Uses real transaction data
✗
✗
✓
Multidimensional financial scoring
✗
✗
✓
Business-controlled data consent
✗
✗
✓
14 capital category types
✗
✗
✓
Settlement verification
✗
✓
✓
Reputation history for both sides
✗
✗
✓
Open API for capital providers
✗
✗
✓
Works without collateral
✗
✗
✓
The team

Founded on a clear
mission.

Creditlinker is built by someone who understands both sides of the problem: the businesses that need capital and the infrastructure that should connect them.

GM

Giwa Micheal

Founder

We're growing the team.

Looking for engineers, credit analysts, and business development leads who care about African SME infrastructure.

View open roles
Questions

Frequently asked
questions.

No. Creditlinker is financial identity infrastructure. We don't extend capital or set interest rates. We build the verified financial identity layer that allows capital providers - financers, equipment financiers, trade suppliers - to evaluate businesses using real financial data.
Get started

Ready to build your
financial identity?

Connect your bank account, run the pipeline, and get a verified multidimensional financial identity backed by your real financial data.

Create your financial identity See how it works