Thin files and missing cash flow keep good businesses out of your book. We bring you businesses with verified trading and repayment history, checked against your own policy before they reach your credit desk.
For SACCOs: send us your loan ledger and we will show you, free, where arrears are building.
Observed across deployments and pilots. Direction, not guarantees.
What UNBRDN does
UNBRDN is read-only by default: it reads the lender's data and changes nothing in their systems. Collections and origination modules are available when a client chooses to switch them on. All credit approvals remain with your own committee.
We do not collect debt. Recovery is carried out by the lender's own team or by recovery agencies it appoints. Our collections module organises and tracks that work.
Recover more of what you have already lent.
Continuous monitoring of every account against your own policy thresholds, a structured turnaround path instead of a write-off, and a collections command centre for the accounts that do go bad. Promises kept, right-party contact and unworked case queues, tracked per collector.
Price the borrower on real cash flow, not a snapshot.
Upload an applicant book and every borrower is scored against your own debt service ratio threshold, your mandate and your risk limits. Bank and mobile-money statements read, normalised and turned into a decision-grade view.
Turn documents into a defensible credit view.
Borrower-level analysis producing a complete financial profile, and standalone statement analysis focused on inflows, outflows and cash-flow signal. A first report takes five working days.
Behind these three sit origination, mandates, market discovery, sustainable finance, transfer pricing and a debt marketplace. Ask and we will show you.
That third step is the point. A borrower you restructured who then repaid is someone you have seen under pressure. On any sensible measure, they are a better risk than a stranger with a clean application.
A marketplace for portfolios that need to change hands is built and can be demonstrated on invented data. It does not yet have clients.
The lender remains the data controller. VALR Capital acts as its data processor under a written data processing agreement, and is registered with Kenya's Office of the Data Protection Commissioner. Clients choose whether UNBRDN runs in our cloud or on their own servers. Each client's data is held in its own separate workspace.
Reads bank and mobile-money statements. Resolves transaction direction against the running balance rather than inferring it from the description, because on a mobile-money statement the same paybill can be income for one borrower and an expense for another.
Reasons through the credit decision and produces a defensible, reviewable output.
We built two proprietary models: one that reads bank and mobile-money statements, one that reasons through the credit decision. In our own benchmarking they approach the quality of leading frontier models at a materially lower cost per decision.
Benchmark figures are from internal testing and describe direction, not a guaranteed result in any given deployment.
A free back-test. Every client starts with a free back-test on its own book. You send a ledger export under a signed agreement and we score it against your policy.
A first report in five working days. You see where arrears are building, which accounts you would have declined, and where the data does not support the limit.
Pricing in four parts. A setup fee, waived on a twelve-month commitment; a monthly platform fee set by the size of the book we monitor; a usage charge per analysis run; and the modules a client chooses.
Case study
Anonymised at the client's request. Observed across deployments and pilots. Direction, not guarantees.