Creditlinker
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For capital providers

Turn today's prospects
into tomorrow's borrowers.

Creditlinker builds institutions a pipeline of businesses they can follow over time. A business that isn't finance-ready today doesn't have to be a missed opportunity tomorrow. Its Financial Passport keeps building, and Creditlinker keeps following it. Institutions know the moment a business becomes finance-ready, and keep watching its performance for as long as the financing relationship runs.

Apply as an institution See how it works
500+
Verified businesses
6
Financial dimensions
14
Financing categories
100%
Consent-gated access

Matched to your criteria

127 verified businesses

Live

Aduke Bakeries Ltd.

Food & Beverage · Working Capital · Financer

742

Low Risk

Lagosfresh Produce

Agriculture · Invoice Financing · Revenue financer

721

Low Risk

Buildwise Contractors

Construction · Equipment Financing · Equipment financer

698

Medium Risk

TechServe Solutions

Technology · Revenue Advance · Revenue financer

715

Low Risk

Nour Fashion Hub

Retail · Trade Credit · Trade supplier

681

Medium Risk

+122 more match your criteria

View all

Offer created · Aduke Bakeries Ltd.

Type

Working Capital

Amount

₦5,000,000

Rate

24% p.a.

Tenor

12 months

Accepted by business
Who can be a financer

Follow businesses. Finance the ones that are finance-ready. Grow with them after.

Banks, microfinance institutions, equipment financiers, and trade suppliers each follow the businesses that match their own criteria, and are notified the moment one becomes finance-ready.

Institutions and funds

Each institution gets a verified six-dimensional view of every business it follows. Every access event is logged, and every decision carries a full evidence trail.

Working capitalEquipment financingInvoice and revenue financeTrade credit
Types of financing

Pick the type that fits what you have.

Not all financing works the same way. Each type below is a different deal structure, a different repayment source, and a different kind of financer. Pick what fits you.

Direct lenders

You lend money directly to a business for day-to-day operations or growth. They repay you from their cashflow over time. Simple. Clean.

Short-term loansWorking capitalOverdraft cover

Equipment financers

You fund the purchase of machines, vehicles, or equipment. The asset itself is the security. If repayment stops, the asset is recovered.

Equipment financeAsset leasingHire purchase

Revenue & invoice financers

You advance money against real invoices or verified future revenue. The business's customers or their sales are what pays you back.

Invoice advancesRevenue shareReceivables

Trade & supplier financers

You extend credit or payment terms to businesses you supply or trade with. Repayment is tied to your existing commercial relationship.

Trade creditSupplier financeDeferred billing
What you see before you decide

Trust the business,
not our word.

Every day is recorded, whether or not anything happens. Once a day is recorded, it cannot be changed in secret. If a record is changed afterward, Creditlinker shows exactly what changed and when it happened. Not even Creditlinker can quietly rewrite a business's history.

Three data types, all verified

Bank transaction history, accounting ledger records, and operational signals like equipment, inventory, and receivables.

Six measures, independently scored

Revenue Stability, Cashflow Predictability, Expense Discipline, Liquidity Strength, Financial Consistency, and Risk Profile. Each scored 0 to 100 on its own.

A separate data reliability score

Every business profile carries a score showing how complete and trustworthy the underlying data is, so you know how much weight to give each number.

Full source traceability

Every metric traces back to the actual transactions it came from. No black boxes.

Proof of Integrity

Every day is sealed with a proof that anyone can check, without needing to see the business's private data. If a record has been changed, the proof shows it. Nobody can fake this, not even Creditlinker.

The picture gets sharper over time

The longer a business stays on Creditlinker, the stronger its Financial Passport becomes. The longer an institution follows a business, the better it understands that business before deciding to finance it.

Trust should be something you can check.

Financial Identity · Verified

Aduke Bakeries Ltd.

742

Low Risk

6 financial measures

Revenue Stability85
Cashflow Predictability78
Expense Discipline81
Liquidity Strength74
Financial Consistency88
Risk Profile91

Data reliability score

94

High confidence

Data coverage

18mo

3 bank accounts

Key business metrics

Avg monthly revenue₦4.2M
Revenue growth (6mo)+12%
Operating margin31%
Cash reserve ratio2.4x
Receivable turnover18 days
Client concentrationLow
How it works

Follow. Finance. Grow. Here's how it works.

Build a pipeline of businesses, finance them when they're ready, and stay with them as they grow.

Follow

1

Create your account

Sign up as an institution and tell Creditlinker the types of businesses you want to finance, including your preferred sectors, capital range, and risk appetite.

2

Build your pipeline

Businesses that consent to being followed are matched to your criteria. Creditlinker continuously follows their Financial Passports, whether they're finance-ready today or still growing. You'll be notified when a business reaches your financing criteria.

Finance

3

Review their Financial Passport

When a business becomes finance-ready, its full Financial Passport is already visible to you. Review its financial performance, six financial measures, risk insights, and supporting records to make your decision with confidence.

4

Finance the business

Agree financing terms directly with the business. Creditlinker is not a party to the agreement. Once financing is completed, the relationship is recorded in the Financial Passport.

Grow

5

Continue the relationship

Creditlinker continues to follow the business after financing. Monitor business performance, repayment progress, and Financial Passport growth throughout the financing relationship.

Full platform walkthrough

Your matching criteria

FastCash Microfinance

Financing categoryDebt · Working capital
Min identity score680 / 1000
Ticket size₦1M to ₦20M
SectorsFood · Agri · Retail
Risk appetiteLow to Medium
Min data coverage12 months

Businesses matched

127

Consent granted

14

Get started

Access log · All events

Viewed identity profile

Aduke Bakeries

2h ago

Viewed 6D breakdown

Lagosfresh Prod.

3h ago

Created offer ₦5M

Aduke Bakeries

1h ago

Consent request sent

TechServe Ltd.

4h ago
Access and consent

Businesses control who sees their data and for how long. You can only access a profile if they have granted you permission. Every view, every action, every offer you create is recorded. This builds trust on both sides.

Businesses control their own data

Each business decides exactly what you can see. Score only, full profile, or transaction detail. They set it. You work within it.

Access expires automatically

Every permission has a set end date. When it runs out, you lose access automatically. If there is an open obligation still being settled, such as an active financing arrangement, access continues until that obligation is resolved.

Everything is on the record

Every view, every offer, every data access is logged with who did it and when. Your financing decisions have a full evidence trail.

Your access grant

Aduke Bakeries Ltd.

Active

Granted 14 Mar 2026 · Expires 14 Jun 2026 · 90 day grant

What you can see

Identity score (0 to 1000) Granted
Six-dimensional breakdown Granted
Full identity profile Granted
Transaction detail Restricted
Create financing offer Granted
Score change alerts Restricted

Your access log · This business

Viewed identity score2h ago
Viewed identity profile2h ago
Viewed 6D breakdown2h ago
Created offer ₦5,000,0001h ago
For capital providers

Start with a business
you can actually verify.

Sign up, set your criteria, and start following verified businesses that match what you're looking for. The first consent request is waiting on the other side of registration.

Apply as an institution Talk to the team

Consent-gated access from day one · Full audit trail · No hidden fees