Lenders
Underwrite stock you can see
You set the credit box, the rate table and the floor on the score. We bring the application, the history behind it and the paperwork that closes it.
For lendersSupply chain finance infrastructure
A shopkeeper asks for inventory over WhatsApp. A microfinance institution prices it against what that shop has actually bought before. The distributor is paid directly and releases the goods against a collection code. Fin&CGX is the rails and the score underneath.
Seven steps, and the shopkeeper only sees the first and the last. Everything between them happens where the money and the goods actually move.
Over WhatsApp, in French or English. No app to install and no account to create — a phone number and a four-digit PIN is the whole of it.
Built from invoices the distributor has already raised against that shop and that a person has verified. Trading history, not a credit bureau that has never heard of them.
A lending officer sees the request, the score and the shop’s file, and sets the amount and the schedule inside the credit policy their institution wrote.
The cost, the instalments and the dates, in the retailer’s own language. They accept or decline on the same thread they asked on.
A contract naming the lender, the borrower and the distributor, issued as a PDF and signed by both sides before any money moves.
The lender pays the distributor directly — no cash reaches the shopkeeper. They collect the stock against a code their counter checks.
On the schedule they agreed, with reminders before each date, until the loan closes.
Lenders
You set the credit box, the rate table and the floor on the score. We bring the application, the history behind it and the paperwork that closes it.
For lendersDistributors
Your customers buy the stock they could not fund this week. You are paid by the lender when the goods go out, not when the shop has sold them.
For distributorsRetailers
Ask on WhatsApp. Collect at the counter you already buy from. Repay on a schedule you agreed before you took the goods.
For retailersMost of the shops here have no file anywhere. What they do have is a trading record with the distributor they buy from every week, and that is what the model reads.
Each invoice behind a score has been raised by the distributor and checked by a person. The history is the distributor’s own books, not a self-reported figure.
Below four verified invoices between that shop and that distributor, the model returns no score at all rather than a low one. “A bad risk” and “we have not seen enough” are different findings, and a lender acts on them differently.
A priced loan carries the score it was priced on, feature by feature, frozen at the moment of the decision. A model published later cannot rewrite what was decided earlier.
One API, and the surface each role actually has to hand. Everything is bilingual, and amounts are in FCFA.
The request, the offer, the acceptance, the collection code and the reminders. The channel a shopkeeper already has open, on the handset they already own.
Lending officers price and disburse, distributors verify collection codes, support works the call list, administrators own the platform and the score.
Where the work is not at a desk: a rep registering a shop in a market, capturing KYC on the camera, a signature on the glass.