Evidence-based. Built for Africa's financial ecosystem.

Evidence-Based Risk Intelligence for SMEs
and the Professionals Who Serve Them

Cut assessment time by 90%. Built for loan officers, BDS consultants, development finance institutions, and business owners seeking a clearer picture of their risk-return position. Produce committee-ready loan memos, risk scores, pricing models, and borrower improvement reports in seconds.

Choose your role below to get started ↓

I am a…

SME

Know your creditworthiness

SME Owner / Business Applicant

Get your risk score, see what lenders will think, and get a plan to improve your chances.

Assess faster. Decide smarter.

Loan Officer / Credit Analyst

Generate full credit memos, 5 Cs analysis, and loan pricing for credit committee in under 60 seconds.

BDS

Prove your programme's impact

BDS / Government Consultant

Run before-and-after assessments. Show funders the numbers. Export impact reports.

Coming Soon

DFI

See your portfolio's risk profile

DFI / Portfolio Manager

Aggregate risk intelligence across your entire loan book. Coming soon — join the waitlist.

Credentials & Trust

PhD-backed risk methodology

020 Risk Insights Limited — Co. No. SC889370, Registered in Scotland

Tested with real credit committee professionals

Published: Nature Portfolio & Scientific Reports

Risk Classification — At a Glance

Every business gets a score from 3–98 and a cluster used by lenders worldwide.

Cluster 2 · Star Performer

3–45

Low risk · Healthy profitability · Lending recommended

Cluster 3 · Stable / Under

3–45

Low risk · Below-threshold margins · Improvement needed

Cluster 4 · High Potential

46–98

High risk · Strong profitability · Conditional lending

Cluster 1 · Distressed

46–98

High risk · Low profitability · Restructuring required

What Professionals Say

“

This cut our pre-screening time by 80%. The credit committee memo is as thorough as what our analysts produce manually — in under a minute.

Wilson O.

Senior Credit Officer, DFI

“

Before this, I had no idea what lenders looked for. It showed me exactly what to fix and in what order. I improved my score from 71 to 48 in three months.

Akua M.

SME Owner, Ghana

Evidence-Based Risk Intelligence for SMEsand the Professionals Who Serve Them

Evidence-Based Risk Intelligence for SMEs
and the Professionals Who Serve Them