Creditlinker
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Our story

Built to help businesses
access the capital
they need.

Most SMEs are financially active and operationally real, but invisible to the institutions that could fund them. Creditlinker was built to close that gap, starting in Africa, where it is widest.

For businesses Get in touch

Our mission

“Help every business build a financial identity it can carry, and use that identity to access more capital.”

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

A financial identity
businesses can carry.

Creditlinker turns a business's real financial activity into a verified identity that capital providers can trust, and businesses control who gets to see it.

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 part of Creditlinker is built around one belief: businesses should be judged by their real financial performance, not by paperwork they don't have.

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
✗
✗
✓
Questions

Frequently asked
questions.

No. Creditlinker doesn't lend money or set interest rates. It helps businesses build a verified financial identity, and helps capital providers - financers, equipment financiers, trade suppliers - make better decisions 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