Micro SME Lending

Micro, Small and Medium sized companies often struggle with the challenges of business growth. All the metrics may be aligned, but access to capital may be lacking. In these scenarios, CredoScore provides business owners with an opportunity to expand using advanced AI credit scoring algorithms that utilise smartphone-based metadata. Credit scores are provided in real time — no wait and no hassle.

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Empower the Growth of Micro, Small and Medium Businesses

Power of Credit with Zero Collateral

Immediate credit scoring results based on easily accessible smartphone metadata enables your clients to have the working capital they need to finance their dreams without collateral.

Fully Automated

CredoScore’s alternative credit scoring methodology is a fully automated process that supports your existing credit policies.

Ease of Use

Easy, straightforward steps to access credit and underwrite applicants ensures convenience for all parties.

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The vanguard of CredoLab's family of credit risk management products that increases application approval rates while keeping negative rates under control.


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Simple, plug-&-play solutions working in conjunction with our products, such as the white label app & SDKs, to provide seamless digital onboarding experiences.

Embedded Scoring

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An Analytics-as-a-Service platform using data and insights from privacy-consented data sources to provide a simple, ready-for-action profitability plan.