African SMEs are viable.
The system just can't prove it.
Traditional credit systems ask for documents, collateral, and a borrowing history most SMEs simply do not have — even when the business is profitable and consistently active.
No formal credit history
Most SMEs have never taken a formal loan, so their credit record is blank — despite years of consistent banking activity that proves the business works.
Documents that don't hold up
Financial statements can be manipulated, and financers know it. So your real numbers rarely receive the weight they deserve.
Collateral most SMEs don't have
Most growing businesses have no land or equipment to pledge. Without collateral, even a consistently profitable business gets turned away.
Up and running
in under 10 minutes.
Four steps from sign-up to your verified financial identity. The pipeline typically completes in under 90 seconds after you connect your first data source.
Register your business
Create an account with your business name and details. We create a verified financial identity for your business, one that updates and grows stronger as your business continues to operate.
Connect your financial data sources
Link your bank accounts, upload accounting ledger exports, or add operational data (equipment, inventory, contracts, receivables). The more you connect, the richer your identity.
We analyze your data automatically
We extract over 40 financial metrics from your data: revenue trends, cash flow patterns, expense consistency. The entire process runs in seconds.
Receive your verified financial identity
You receive a verified identity score, a risk rating, and a clear view of your readiness across 14 financing categories. From there, you decide who gets access to your profile.
14 ways to get funded.
One verified identity.
Not every business needs a loan. Creditlinker checks your readiness across 14 different ways to get funded — from invoice advances to equipment leasing — so you know exactly which doors are open before you knock on any of them.
Six dimensions.
Your full financial picture.
Each area of your financial health is scored independently, from 0 to 100. Capital providers see the full picture of your business — not a single number that oversimplifies it.
Revenue Stability
85How consistent and predictable your revenue has been over time.
Cashflow Predictability
78How reliably your business generates positive cash flow.
Expense Discipline
81How well your business controls its costs relative to what it earns.
Liquidity Strength
74The level of cash reserves your business holds at any given time.
Financial Consistency
88How regular and complete your financial activity has been.
Risk Profile
91Whether your financial data shows any unusual or irregular patterns.
Plus a separate data quality score
Your identity also carries a data quality score — so capital providers know how much confidence to place in each dimension when reviewing your profile.