Traditional credit doesn't work
for African businesses.
Your journey to
a verified financial identity.
Six steps from signing up to receiving capital offers. Most businesses complete steps 1–3 in under 10 minutes.
Create your business account
Register with your business name and basic details. Creditlinker generates a persistent financial identity (anchored to your business, not just an individual login) that builds and versions over time.
Connect your financial data sources
Link your bank accounts, upload accounting ledger exports, or add operational data such as equipment, inventory, and contract records. The more sources you connect, the richer and more credible your identity.
Pipeline and feature store update automatically
Our engine processes, categorizes, and reconciles your data. A dedicated financial feature store computes 40+ derived metrics: monthly revenue growth, operating margin, cash reserve ratio, receivable turnover, and expense ratios. These are stored and versioned so scoring models never recalculate from scratch.
Receive your six-dimensional financial identity
Your identity is scored across six independent dimensions: Revenue Stability, Cashflow Predictability, Expense Discipline, Liquidity Strength, Financial Consistency, and Risk Profile, each on a 0 to 100 scale. A separate data quality score indicates how reliable the underlying data is. No compression into a single number.
Grant consent to matched capital providers
Creditlinker anonymously matches your profile to financers, equipment financiers, trade suppliers, and revenue financiers whose criteria fit your dimensions. You decide exactly which providers can see which data, for how long. Revoke anytime. Every access is logged.
Review and accept capital offers
Matched providers review your verified identity against their own criteria and create structured offers. You compare terms, accept the best fit, and the financing record is created on-platform with full provenance.
Your data,
your rules.
Always.
No capital provider sees any part of your financial identity without your explicit, time-bounded grant. You define the permission scope, set the expiry, and can revoke instantly. Every access event is logged in an immutable audit trail.
Permission-level control
Grant score-only, full identity, or transaction detail — independently per provider. Mix and match based on your comfort level.
Time-bounded expiry
Every grant has a hard expiry date. Access ends automatically at 7, 30, or 90 days. No manual cleanup required.
Instant revocation
Revoke any provider's access in one action. They lose visibility immediately, in real time.
Immutable audit log
Every data access is logged with actor, timestamp, and action type. You always know exactly who saw what and when.
Evaluate businesses
with verified evidence.
Whether you're a financer, equipment financier, trade supplier, or revenue financer. Creditlinker gives you access to six-dimensional financial identities built from real data.
Register as an institution
Create your institution profile. Define your financing mandate: capital category, sectors you serve, ticket size ranges, and risk appetite.
Set your matching criteria
Post your criteria once. The discovery engine continuously matches you to businesses with verified identities that meet your parameters. Initial matches are anonymous.
Request data access
Send consent requests to matched businesses. They review the permissions scope you're requesting (score only, full identity, or transaction detail) and grant or deny on their own timeline.
Review the verified financial identity
Once granted, access the business's six financial dimensions, risk profile, data quality score, financial feature metrics, and capital readiness assessment. All figures are derived from verified transaction and operational data with full provenance.
Create and track financing offers
Structure your offer on-platform with terms, tenor, and repayment schedule. The business reviews and accepts or declines. Financing records are created with full provenance and audit trail, and contribute to your institution's reputation score.
Which path is yours?
Creditlinker serves businesses, capital providers, and developers — each with a dedicated product experience.
Build your financial identity
Connect your bank accounts, ledger data, and operational records. Receive a six-dimensional verified identity and connect to the right capital providers based on how you actually operate.
See business featuresEvaluate with verified data
Access six-dimensional financial profiles built from real transaction and operational data. Whether you're a financer, equipment financier, trade supplier, or revenue financer, the data is verified and access is consent-gated.
See provider featuresBuild on the API
Integrate financial identity data into your own applications. REST API, webhooks, sandbox environment, and full SDK support across three partner access tiers.
Read the docs