---
title: "Cladfy: Loan Management System in Kenya"
description: "Run end-to-end microloan operations in Kenya: onboard borrowers, score with mobile money + bank data (1000+ points), KYC/KYB, eSign."
canonical_url: "https://liners.com/cladfy"
markdown_url: "https://liners.com/cladfy.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/cladfy/screenshot.webp?v=1784413240255"
published_at: "2026-07-21T08:05:32.060Z"
updated_at: "2026-09-12T22:03:12.032Z"
---

# Cladfy: Loan Management System in Kenya

Run end-to-end microloan operations in Kenya: onboard borrowers, score with mobile money + bank data (1000+ points), KYC/KYB, eSign.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Cladfy](/cladfy)

## Summary

AI lending infrastructure for faster, safer microloans

AI-powered lending infrastructure for microfinance lenders, SACCOs, and fintechs to manage loans end to end, score borrowers using alternative data, and assess risk.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.cladfy.com/ |
| Tagline | AI lending infrastructure for faster, safer microloans |
| Primary country | Kenya |
| Platforms | Web, API |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

Cladfy is an AI-powered last-mile lending infrastructure platform for microfinance lenders, SACCOs, cooperatives, fintechs, and other microlenders operating in emerging markets.

Key capabilities include:
- **Core Banking (Microlender)**: an end-to-end **loan management system** covering **origination and onboarding**, **assessment and approvals**, an **analytics dashboard**, and **two-way communications** for borrower engagement.
- **CashIQ cashflow underwriting**: **alternative credit scoring** using **mobile money and bank statement analysis** with **1000+ data points**, including **statement tampering detection**, available via **web access** and a **Cashflow Underwriting API**.
- **Lending operations add-ons**: **Logiclabs** for **no-code credit scorecard** building, **KYC & KYB APIs** for identity and business validation, and **eSignatures** for digitally signing loan agreements.
- **Loan book financing**: connects lenders to partner financing for on-lending, including on-demand working capital, flexible loan periods, and draw-down on disbursement.

Available on **Web** with **API-first (REST) access** and public documentation.

Target users include lending teams and developers at microlenders serving individuals, merchants, and SMEs in the informal sector.

Notable in the African context for its focus on **alternative data-driven credit scoring** and decisioning for financial inclusion, plus recognition through programs and listings such as the **ARM Labs Lagos Techstars Accelerator**, **UNDP SDG Blockchain Accelerator**, and the **MAS FinTech Hackcelerator** finalist list, and contributions to IFC’s “Cracking the Credit Code” report.

## Features

- [Fintech](/categories/fintech): Category
- [AI-Powered](/tags/ai-powered): Product feature or technology
- [B2B](/tags/b2b): Product feature or technology
- [Credit Scoring](/tags/credit-scoring): Product feature or technology
- [KYC Provider](/tags/kyc-provider): Product feature or technology
- [Lending and Loans](/tags/lending): Product feature or technology
- [Kenya](/countries/kenya): Market

## Related pages

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

## Access and citation

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