AI Credit Scoring · 200+ Data Signals
A fair score
built on your
actual business.
Traditional credit bureaus miss 80% of East African SMEs. Mwezi's AI reads your M-PESA history, bank statements, and inventory data to produce a live, fair score — updated every 30 days.
- No bureau required
- Live score
- Updates monthly
- Bank-accepted
Business Health Score
Kamau Digital Hub
10-month history
Data signals
Loan Limit Unlocked
KSh 500,000
How we score you
Your data replaces
collateral.
We analyse four core signals from your connected accounts. No credit bureau, no guarantors, no land title needed.
M-PESA Cash Flow
Signal weight: 92/100
Inflow consistency and velocity over 12 months
Bank Turnover
Signal weight: 85/100
Deposits, spending patterns, and reversals
Inventory Health
Signal weight: 78/100
Stock-to-revenue ratio and turnover rate
Payment History
Signal weight: 96/100
On-time loan and supplier repayments
Score tiers
What each score
unlocks.
Excellent
Top 15% of Mwezi businesses. Priority rates and same-day disbursement.
KSh 500k
Max loan
Good
Strong payment history and consistent M-PESA flow.
KSh 200k
Max loan
Fair
Growing business with 3–6 months of transaction traction.
KSh 50k
Max loan
Building
New business — your score improves fast with the first transactions.
No loans yet
Max loan
Why it's different
Built for East African
entrepreneurs.
Built on real business data
200+ alternative signals replace traditional credit bureau files. If your business trades, it has a score.
Updates every 30 days
Every M-PESA transaction, every loan repaid, every bank sync improves your rating automatically.
Accepted by banks & MFIs
Mwezi scores are recognised by partner banks and microfinance institutions across East Africa.
Unlocks higher limits
A higher score means bigger loans, better rates, and priority disbursement.
For Financial Institutions
Mwezi scores for banks & MFIs
Partner with Mwezi to access verified business credit scores for your loan applicants. Our AI covers SMEs that traditional bureau files miss — expanding your addressable market by 3x.
- 94% AI model accuracy on repayment prediction
- Coverage for banked and unbanked SMEs
- API integration with existing loan management systems
- Compliant with CBK and BOU data regulations
Platform accuracy
94%
repayment prediction accuracy
Find out your business score.
Free to check. Takes under 3 minutes. No credit bureau needed.