VALR Capital

See the real trading record behind every business borrower.

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.

  • A pre-checked pipeline: customers who meet your minimum grade, ticket size and tenure
  • Purpose control: funds can be paid straight to the supplier against an invoice
  • Early warning on your existing book: we read your loan ledger and flag accounts sliding into arrears before they become non-performing
  • Portfolio reporting for your credit committee and board

For SACCOs: send us your loan ledger and we will show you, free, where arrears are building.

Borrower records analysed
101,000
Corrected position after duplicate detection
83,631
Loan book monitored
KES 1.4B
Fewer non-performing loans
~25%
Improvement in portfolio at risk
~30%
To disburse
21 days → 48 hours

Observed across deployments and pilots. Direction, not guarantees.

What UNBRDN does

Recovery and rehabilitation first. Screening supports them.

UNBRDN reads from the systems you already run. All credit approvals remain with your own committee.

01

Post-lending

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.

02

Pre-lending

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.

03

Analyse

Turn documents into a defensible credit view in minutes.

Borrower-level analysis producing an end-to-end financial profile, and standalone statement analysis focused on inflows, outflows and cash-flow signal.

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 a better risk than a stranger with a clean application.

A marketplace layer for portfolios that need to change hands is in development.

Data sovereignty

Built for institutions that cannot hand their borrower data to anyone.

VALR Extract

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.

VALR Analyst

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.

  • Read-only by design — UNBRDN reads from your systems and writes nothing back
  • Every recommendation traces back to the signals behind it — no black-box score
  • Cost per decision falls as your loan portfolio grows

Benchmark figures are from internal testing and describe direction, not a guaranteed result in any given deployment.