Two Products. One Platform.

Lend smarter. Provision faster.

CreditBox gives African lenders instant credit decisions from bank statements and automated IFRS 9 provisioning from loan tapes. No spreadsheets, no consultants.

Get Started Free See Features

⚡

CreditBox Score

Credit Decisioning

Upload an M-Pesa statement or connect Mono. Get an instant approve/decline/refer decision with risk score, pricing recommendation, and fraud signals.

M-Pesa PDF statement parsing
Mono bank statement integration
Configurable scoring engine (0-1000)
Policy rule engine (auto approve/decline)
Device and behavioral risk analysis
Batch scoring from Excel

Learn More

📊

CreditBox Provision

IFRS 9 Provisioning

Upload your loan tape. Get ECL numbers, stage classifications, sensitivity analysis, and audit-ready regulatory reports in minutes.

PD / LGD / EAD models per market
Stage 1/2/3 classification with SICR
Multi-scenario ECL (base/upside/downside)
Dual provisioning (IFRS 9 + local regulatory)
Disclosure reports (Excel + PDF)
Sensitivity analysis and vintage tracking

Learn More

How It Works

Sign Up

Create a free account. No credit card required. Takes 30 seconds.

Choose Product

Credit Decisioning for origination. IFRS 9 Provisioning for reporting. Or both.

Upload Data

Bank statements for scoring. Loan tapes for provisioning. Auto-maps from any system.

Get Results

Instant decisions. ECL numbers. Audit-ready reports. Download or integrate via API.

Built for Africa

Local integrations and regulatory compliance per market

🇰🇪Kenya (M-Pesa + CBK)

🇳🇬Nigeria (Mono + CBN)

🇬🇭Ghana (coming)

🇹🇿Tanzania (coming)

API-First Architecture

Everything available via REST API. Use the dashboard or integrate directly into your core banking system.

POST /api/v1/score

{
  "decision": "APPROVED",
  "score": 724,
  "risk_grade": "B",
  "approved_amount": 50,000,
  "interest_rate": 18.5%,
  "reasons": ["Good repayment history", "Stable income"]
}