Payment evidence in one place
Proposed analysis of authorised invoice, receivables and repayment records, with optional bank or mobile-money statements. Flag missing or inconsistent data for review.
AI CREDIT SCORING · PRODUCT CONCEPTExtend credit.
Extend credit.
With a clearer picture.
A proposed credit intelligence platform for businesses that sell on payment terms and lenders financing SMEs. Connect payment evidence, explainable risk signals, and your credit policy in a review workflow. Available for discovery discussions; the product is not yet generally available.
For distributors, manufacturers and SME lenders
Start with one portfolio: dealer trade accounts, business customers buying on terms, or SME borrowers. Define the decision, data and evidence needed before building a pilot.
WHAT IT DOES
Credit decisions, with context.
Proposed capabilities for a scoped pilot. Availability depends on development and validation.
SCOPE AND PRICINGStart with a scoped
Start with a scoped
credit intelligence pilot.
Pricing is by proposal. Begin with a fixed-scope discovery and validation engagement. A production subscription follows only after an agreed pilot and readiness review.
Discovery & validation
Data assessment, workflow design, baseline evaluation and a documented pilot plan.
Proposed production access
Platform subscription with an agreed assessment allowance, user access and support. Final scope depends on pilot results.
External services
Statement processing, bureau checks, custom integrations and specialist reviews priced separately where applicable.
This is a proposed Fledge product, not a credit bureau service or a validated production scoring model. No accuracy, default reduction or approval-rate improvement is promised.
YOUR QUESTIONS
Before you commit.
What should we bring to a first conversation?
Describe your credit policy, account volumes, systems and target decision without sharing customer records. Agree the permitted data, historical outcomes, evaluation baseline and human review process. Compare full implementation cost, assessment allowances, external data fees, monitoring and support.
Is the product available today?
It is a product concept open for discovery discussions. A production scoring model, integrations and delivery schedule have not been confirmed.
How would it work with LendRange?
The proposed connection would bring assessment evidence into lending reviews and repayment outcomes into monitoring. This integration still needs design, development and testing.
Would AI approve or reject customers?
The proposed pilot supports authorised human reviewers. Policy, explanations, correction routes and accountability must be agreed before operational use.
What data is needed?
Start by describing your invoice, payment and historical outcome data. Do not send customer statements or identifiable records through this website. Agree secure transfer, permitted use, access and retention before sharing any records.
How would we judge the pilot?
Agree baseline review time, coverage, calibration and error measures, together with portfolio outcomes and review quality. Measure against existing practice; a higher headline accuracy alone does not prove business value.