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Glenfield Analytics

Lending on verified trading data instead of collateral

Inclusive Credit Scoring

Scoring businesses on verified trading, tax and payroll compliance records opens credit to young entrepreneurs and SMEs who have no collateral. Machine learning runs inside the lender's policy rules, so every decision is explainable and auditable.

01

Where current methods reach their limits

  • Collateral-based lending excludes the businesses that most need working capital.
  • Informal traders have no credit file, yet they generate verifiable invoices and tax records.
  • Manual assessment is slow, inconsistent and hard to defend to regulators.
02

What the solution delivers

  • A 0 to 1,000 score per application, with risk tier, limit and pricing.
  • Ten evidence groups drawn from consented invoices, tax, social-security and payroll records.
  • Controlled go-live on a lender's own data within six weeks of signature.
  • An incentive to formalise: when compliance earns credit, registering pays and the tax base grows.
03

How it works

  1. 01

    Data

    Consented invoices, tax, social-security and payroll records.

  2. 02

    Features

    Masked and minimised signals; no personal identities.

  3. 03

    Model + Rules

    Models estimate repayment risk; policy enforces eligibility and limits.

  4. 04

    Checks

    Fraud rules and e-invoice validation.

  5. 05

    Decision

    Approve, refer to a credit officer, or decline, with reasons.

Feedback loop · Repayment outcomes are fed back to retrain and recalibrate the models.

04

Controls and governance

  • A model can lower a score or refer a case; it can never approve what policy rejects.
  • Each decision stores its inputs, model version and main drivers.
  • Declined applicants receive reasons in plain language.
  • Models are validated for accuracy and fairness before use and monitored for drift.
  • Hosting in a certified in-country data centre, in line with local data-protection law.
05

Groundwork already done

Score with risk tier, limit and pricing
0–1,000
Evidence groups per application
10
From signature to controlled go-live
6 wks

Applies to

Bring inclusive credit scoring to your organisation

Tell us the business result you're after. We'll tell you honestly whether AI and analytics are the right lever, and what it would take.

Start a conversation sales@glenfieldanalytics.com