Traditional credit doesn't work
for African businesses.
Your journey to
your Financial Passport.
Six steps from signing up to receiving financing 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 Passport, anchored to your business rather than just a login, that builds and strengthens 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 stronger and more credible your Passport.
Your Passport builds itself
Your data is processed, categorized, and reconciled automatically in the background. There's nothing to fill in and nothing to calculate yourself. Your Passport just gets stronger as more data comes in.
Receive your Financial Passport
Your business is scored across six independent dimensions: Revenue Stability, Cashflow Predictability, Expense Discipline, Liquidity Strength, Financial Consistency, and Risk Profile. No single number ever defines you. A separate data quality score shows how reliable the underlying data is.
Institutions discover you, not the other way around
As your Passport builds, institutions whose criteria match your profile can find you directly. You don't have to wait until you feel 'ready' or go looking for them. You decide exactly what each one can see and for how long. Revoke anytime. Every access is logged.
Review and accept financing offers
Interested institutions review your verified Passport and create structured offers: a loan, equipment finance, trade credit, or revenue financing. You compare terms, accept the best fit, and the financing record is created on-platform with full provenance.
Your data,
your rules.
Always.
No institution sees any part of your Financial Passport 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 Passport, or transaction detail independently per institution. Mix and match based on your comfort level.
Time-bounded expiry
Every grant has a hard expiry date. Access ends automatically. No manual cleanup required.
Instant revocation
Revoke any institution'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.
Discover businesses
before they come to you.
Whether you're a financer, equipment financier, trade supplier, or revenue financer, Creditlinker lets you follow businesses as their Financial Passport builds instead of waiting for applications to land in your inbox.
Set up your institution profile
Create your institution profile. Define your financing mandate: capital category, sectors you serve, ticket size ranges, and risk appetite.
Tell us who you're looking for, once
Post your criteria and the discovery engine continuously surfaces matching businesses as their Passports develop you don't have to wait for a finished application. Initial matches are anonymous.
Reach out the moment you see potential
Send a consent request to any business you're interested in, at any point in their journey. They review the scope you're requesting (score only, full Passport, or transaction detail) and grant or deny on their own timeline.
Review the verified Passport
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 Passport
Connect your bank accounts, ledger data, and operational records. Receive a six-dimensional verified Financial Passport that institutions can discover and act on, based on how you actually operate.
See business featuresDiscover verified businesses
Access six-dimensional Financial Passports 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 institution featuresBuild on the API
Integrate Financial Passport data into your own applications. REST API, webhooks, sandbox environment, and full SDK support across three partner access tiers.
Read the docs