CashIQ

CashIQ by Cladfy is an advanced credit analysis platform designed to enable lenders to make smarter, data-driven decisions by leveraging mobile money and bank statement data. Unlike traditional credit bureaus that rely solely on historical credit information, CashIQ evaluates cash flow in real time, offering insights into income, expenses, loans, savings, and overall financial behavior. The platform processes user-permissioned data from multiple statements using proprietary machine learning algorithms to validate income, detect patterns, and estimate creditworthiness. CashIQ generates detailed cashflow reports, including risk levels, cashflow scores, and loanability estimates, allowing lenders to better assess individual consumers or merchants. Integration is seamless through a unified API, saving significant time and resources on data collection, infrastructure, and maintenance. With hosted infrastructure and automated processing, financial institutions can streamline underwriting, reduce operational costs, and accelerate loan approvals. CashIQ also supports client self-service links, enabling applicants to upload their own statements securely, further improving user experience.