
The New FCCPC Consumer Lending Regulation and How ...
Effective October 22, 2025, the FCCPC’s new regulation will transform lending in Nigeria, reshaping ...
Read moreMake smarter lending decisions in seconds and reveal true affordability with the combination of credit-bureau checks, live banking data, and ML-powered analysis to understand income patterns and debt obligations.
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Get to know about Creditworthiness
You can now transform your underwriting with comprehensive affordability intelligence
No more manual underwriting delays. Get affordability insights that integrate seamlessly into your loan approval workflow for faster decisions.
Confidently assess thin-file customers with no traditional credit history but strong affordability, and expand your lending pool without increasing risk.
Identify risky borrowers before they default; predict repayment capacity by analyzing income-to-debt ratios, spending volatility, and financial stress indicators.
The Mono Creditworthiness Flow
Combine traditional credit bureau checks with advanced financial analysis to understand true repayment capacity in real-time.
See a demoProduct Benefits
We’ve built comprehensive API endpoints to retrieve financial data from your customers’ bank accounts
Verify existing debt load and repayment behaviour for each borrower. Make informed decisions with complete context.
Traditional credit checks miss the full picture. Our ML models analyze multiple valuable borrower data points to reveal true affordability.
Get rounded insights to predict future repayment challenges before they become defaults.
Testimonials
We can trust Mono over 90% of the time which is better than our previous provider. This ease & reliability are our favourite things about Mono.

Barima Effah-Adjei
CEO, Float
Migrating to Mono was seamless... Mono's customer support efforts have helped us to create a much better UX for our users.

Peter Olusesan
CEO, Inflow
Building with Mono Creditworthiness
Get access to fast and reliable credit assessment and affordability insights
Access credit reports from major bureaus. Get complete credit history in one query.
Automatically identify existing loan payments, credit card bills, and recurring debt obligations from transaction patterns and bureau data.
Get tailored affordability insights on each borrower based on accurate analysis of specific loan terms and historical credit performance.
Use cases
Mono is the open banking platform for the fastest-growing businesses in Africa.
Consumer/P2P Lending
Assess individual borrower affordability with precision to expand your customer base safely for personal loans

Buy Now Pay Later
Confidently evaluate e-commerce customers for checkout financing, maintaining purchase speed for higher revenue, with reduced risk.


SME Loans
Evaluate business cash flow and owner affordability for small business loans. Serve underbanked entrepreneurs with confidence.


More ways to use Connect
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Your customers authenticate with Mono before payment is approved, reducing fraud risk and increasing transaction success rates.
Learn more

Integrating The Product
Get access to your customers’ accurate data, faster and more securely.
Join 500+ lenders using Creditworthiness
Let's talk about how Mono can power your credit solution.
Answers to questions you may have about Mono Credit Worthiness
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