NEWIntroducing Mono Prove: Transforming Identity Verification and Customer Onboarding experiences

Assess loan affordability with precision

Make 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

Make data-backed, modern lending decisions

You can now transform your underwriting with comprehensive affordability intelligence

3x faster lending decisions

No more manual underwriting delays. Get affordability insights that integrate seamlessly into your loan approval workflow for faster decisions.

Approve more confidently

Confidently assess thin-file customers with no traditional credit history but strong affordability, and expand your lending pool without increasing risk.

Reduce default rates by 45%

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

Complete credit assessment in seconds

Combine traditional credit bureau checks with advanced financial analysis to understand true repayment capacity in real-time.

See a demo

Product Benefits

Why lenders choose Creditworthiness

We’ve built comprehensive API endpoints to retrieve financial data from your customers’ bank accounts

Comprehensive risk insights

Verify existing debt load and repayment behaviour for each borrower. Make informed decisions with complete context.

Beyond credit checks

Traditional credit checks miss the full picture. Our ML models analyze multiple valuable borrower data points to reveal true affordability.

Proactive risk management

Get rounded insights to predict future repayment challenges before they become defaults.

Testimonials

From businesses using Creditworthiness

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.
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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.
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Peter Olusesan

CEO, Inflow

Building with Mono Creditworthiness

What Creditworthiness offers

Get access to fast and reliable credit assessment and affordability insights

Credit history check

Access credit reports from major bureaus. Get complete credit history in one query.

Debt-to-income ratio check

Automatically identify existing loan payments, credit card bills, and recurring debt obligations from transaction patterns and bureau data.

Affordability status

Get tailored affordability insights on each borrower based on accurate analysis of specific loan terms and historical credit performance.

Use cases

How Mono fits your needs

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

Flutterwave

Buy Now Pay Later

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

FlutterwaveSterling

SME Loans

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

FlutterwaveSterling

More ways to use Connect

Other ways to assess creditworthiness with Mono

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Statement Pages

Your customers authenticate with Mono before payment is approved, reducing fraud risk and increasing transaction success rates.

Learn more
Statement Pages interface on mobile

Integrating The Product

Getting started

Get access to your customers’ accurate data, faster and more securely.

Powerful APIs and easy-to-use resources

Join 500+ lenders using Creditworthiness

Ready to improve your credit decisions and reduce risk?

Let's talk about how Mono can power your credit solution.

Contact sales
FAQs

Answers to questions you may have about Mono Credit Worthiness

Start building with Mono today

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Disclaimer:
The information provided on this website is intended for general informational purposes only and does not constitute financial, legal, or professional advice. While we strive to ensure that the content presented is accurate and up-to-date, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk.

Our platform is designed to ensure secure access to financial accounts for the purposes of retrieving statements, monitoring transactions in real-time, and verifying customer identities. Despite our use of advanced security protocols to protect sensitive information, we cannot guarantee the absolute security of your data. Users are advised to independently verify the accuracy and completeness of all information obtained through our services before making any financial or business decisions.

Furthermore, while we endeavor to keep the website running smoothly, we take no responsibility for, and will not be liable for, the website being temporarily unavailable due to technical issues beyond our control. In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website.

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