---
title: "Advancly: Lending APIs in Nigeria & Kenya"
description: "Embed lending and credit scoring via APIs in Nigeria & Kenya. Fund MSMEs via Advest: 16–18% annual ROI over 3–12 month tenures, track in real time."
canonical_url: "https://liners.com/advancly"
markdown_url: "https://liners.com/advancly.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/advancly/screenshot.webp?v=1773172733553"
published_at: "2026-03-11T09:15:51.688Z"
updated_at: "2026-10-05T10:59:52.980Z"
---

# Advancly: Lending APIs in Nigeria & Kenya

Embed lending and credit scoring via APIs in Nigeria & Kenya. Fund MSMEs via Advest: 16–18% annual ROI over 3–12 month tenures, track in real time.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Advancly](/advancly)

## Summary

Credit and embedded lending infrastructure for African MSMEs

A digital lending platform offering credit-as-a-service, embedded finance APIs, and investment access for African MSMEs, aggregators, fintechs, and partners.

## Product details

| Field | Value |
| --- | --- |
| Website | https://advancly.com/ |
| Tagline | Credit and embedded lending infrastructure for African MSMEs |
| Primary country | Nigeria |
| Platforms | Web, API, iOS, Android |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

Advancly is a digital lending platform and liquidity partner that helps African MSMEs, aggregators, and fintech businesses extend credit and offer embedded financial services across their ecosystems.

Key capabilities include:

- **Credit-as-a-service (Advancly Spark):** APIs and tooling to start or scale a lending business, including credit portfolio extension and use cases such as **working capital**, **invoice financing**, **payroll financing**, **inventory financing**, and **purchase order financing**.
- **Embedded finance (Advancly Embed):** an API-led approach to **onboard businesses**, **integrate via documented APIs**, and embed lending and related financial services into existing websites or apps without building full fintech infrastructure.
- **Investment access (Advest):** an investment product for funding creditworthy businesses, with stated **16–18% annual ROI** over **3–12 month** tenures and **real-time performance tracking**.
- **Automated risk assessment:** credit scoring that uses **data**, **machine learning**, and **AI** to support credit decisions and reduce non-performing loans; the platform is powered by **Mifos** for core banking capabilities via **REST APIs**.

Available on **Web** (via spark.advancly.com/login), **IOS**, **Android** and via **APIs** (API documentation is provided).

Target users include **MSMEs**, **aggregator platforms**, **fintechs**, and businesses in sectors such as **FMCG**, **healthcare**, **BNPL**, **logistics**, and **ride-hailing**, plus **investors** seeking exposure to private credit.

Advancly is notable for its focus on credit infrastructure in African markets, reporting financing for **50,000+ beneficiaries across 6 countries** and **$80M+** in credit injected, plus stated **ISO 22301** and **NDPR** compliance and the operation of a digital-first **microfinance bank in Nigeria**.

## Features

- [Fintech](/categories/fintech): Category
- [B2B](/tags/b2b): Product feature or technology
- [Credit Scoring](/tags/credit-scoring): Product feature or technology
- [Lending and Loans](/tags/lending): Product feature or technology
- [Kenya](/countries/kenya): Market
- [Nigeria](/countries/nigeria): Market

## Related pages

- [Alternatives](/advancly/alternatives)
- [Reviews](/advancly/reviews)
- [Transparency](/advancly/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/advancly)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)