Banks and MFIs: an experimental score and repayment tracking

A separate portal for banks and microfinance institutions. A company allows you, module by module: share its experimental credit score, or tie a loan instalment to one of its invoices.

Analyze your receivablesSee how Repaid works

Assessing an SME with no banking history

Many SMEs invoice and are paid by Mobile Money without leaving a trace in a credit bureau. Their invoices and payments still say how their customers pay them.

A complement, not a substitute

Repaid's score, out of 1,000, complements a credit bureau without replacing it. It is experimental: its weights are expert assumptions, not validated by a back-test. It must never be the only ground for a refusal.

Consent per module
The company allows the score, or the repayment mandates, independently. Each consent is withdrawn at any time and every look is recorded and visible to the company.
The score and its reasons, never the invoices
You see the score, the three reasons that weigh most and a few figures. Not the invoices nor the names of the company's customers.
A reasoned human decision
You record an approval or a refusal; a refusal requires a written reason.
Repayment split
A payment received is split: loan instalment first, Repaid's fees, balance to the company, with a double-entry record. A signed webhook can record it.
01
Sign up
Pick "A bank / MFI" and copy your institution's code.
02
Allow
The company types the code and picks the module.
03
Decide
Read the score and its reasons, record a reasoned decision.
04
Follow
Tie the instalment to an invoice and follow the split of each payment.

Frequently asked questions

Does Repaid carry out the transfers?
No. Repaid computes and records the split; the bank carries out the transfers and marks them in the portal. No bank API is connected today.
Can a Mobile Money payment be deducted at source?
Repaid does not promise deduction at source on Mobile Money. The documented path is to direct the payment to an account the bank controls.
Is the score reliable?
It is experimental: computed automatically from 12 months of invoices and payments, with unvalidated weights. A back-test on at least 200 invoices, a calibration and legal advice are required before any decisive use.
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Create your institution's space

Pick "A bank / MFI" at signup.

Analyze your receivables