For lenders
Underwrite the stock, not a stranger.
Microfinance institutions lend here. Fin&CGX brings the application, the history it rests on, and the paperwork that closes it — the credit decision stays yours.
What arrives with an application
A score, or an honest refusal to give one
With the features it was built from and the invoices behind them. Below the evidence floor you are told that, rather than handed a low number that looks like a judgement.
The shop’s file
Identity documents, the shopfront, the trading link with the distributor, and the field visits your sales reps recorded.
A recommended ceiling
What the platform thinks this shop can carry. You may lend less. You may not lend more than it recommends — that is the one limit an override does not move.
Your policy, enforced before it reaches you
Amount range, term, rate bands, grace days, late charges, minimum score and offer validity are yours to set. An officer pricing outside the box has to write down why, and that reason is recorded on the loan.
Separation of duties, as a rule rather than a habit
Nobody reviews and then approves the same loan. The platform refuses it rather than trusting a process document, because the alternative is a control that exists only in a policy nobody reads during a busy week.
What you see afterwards
Outstanding balance, arrears ageing, what each payment was applied to, and what the platform expects to collect. The book can also be valued at a future date, so “where will we be in a fortnight” is a question with an answer rather than an opinion.