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Built for Nigerian Fintechs

Powered by Mono Open Banking

Credit intelligence
built for Nigeria

Real-time cashflow analysis, FICO-compatible scoring, and configurable risk policy — so your team approves more of the right loans and fewer of the wrong ones.

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Sub-30s decisions
30+ data signals
99.9% uptime
Credit Analysis
350
Credit Score
350 — Very High Risk850
LOW_RISK
APPROVED
Loan Amount
₦100,000
Analysis Time
287ms
Monthly Income
₦185,000
DTI Ratio
24.3%
The Engine

Five-stage credit intelligence

Knockout
01

Knockout

Identity, fraud, and credit hard-stops before any scoring begins

Feature Extraction
02

Feature Extraction

30+ normalised signals pulled from income, cashflow, and credit history

Scoring
03

Scoring

FICO-compatible 350–850 score across 5 dynamically weighted components

Decision
04

Decision

Approve, reject, or generate a counter-offer based on policy thresholds

Manual Review
05

Manual Review

Borderline scores and high-value loans escalated automatically

Core Capabilities

Built for Nigerian fintechs

Everything you need to underwrite loans with confidence

Real-time Analysis

Credit decisions in under 30 seconds. Process applications while customers wait — no batch jobs, no delays.

Cashflow-Based Scoring

Go beyond traditional credit scores. Analyze income patterns, spending discipline, and account health from live bank data.

Mono Integration

Securely access verified bank data from your customers' accounts with their consent via Mono Open Banking.

Configurable Risk Policy

Set your own score thresholds, affordability caps, and knockout rules. The engine adapts to your lending standards.

Nigerian Context

Scoring weights, income patterns, and risk signals tuned specifically for the Nigerian lending market.

Full Explainability

Every decision ships with key strengths, weaknesses, and a human-readable primary reason — ready for compliance review.

Built for your team

Your team, not just your API

Loan officers get an AI assistant that understands every application in full — and gives straight answers when it matters.

AI Assistant
Emeka Adeyemi
₦2,000,000 · 18 months · 24% p.a.
748
LOW_RISK
MANUAL REVIEW

Emeka has a 748 score and earns ₦450k a month. Why was this flagged for manual review?

Emeka's credit profile is genuinely strong — 748 puts him solidly in LOW_RISK. The flag here is not a credit risk issue, it's an affordability issue. His verified salary of ₦450,000 gives a gross monthly cap of ₦157,500 at your 35% policy. But he carries ₦45,000 in existing loan obligations, leaving available capacity of ₦112,500. The ₦2,000,000 over 18 months generates a monthly payment of ₦133,400 — ₦20,900 above what he can safely service. The system protected him from being over-leveraged.

Break down the affordability numbers exactly for me.

Here's the exact maths:

Verified salary (Mono webhook)₦450,000 / mo
Affordability cap (35%)₦157,500
Existing obligations− ₦45,000
Available capacity₦112,500
Payment on ₦2M / 18mo at 24% p.a.₦133,400
Shortfall₦20,900

He can service a loan — just not this one at this size and tenor.

What counter-offer options do we have?

Two clean options within his capacity:

Option 1 — Reduce the amount
₦1,500,000 over 18 months
Monthly payment: ₦100,100 · ₦12,400 headroom
Option 2 — Extend the tenor
₦2,000,000 over 24 months
Monthly payment: ₦105,800 · ₦6,700 headroom

Which would you recommend?

Option 2 — the 24-month full amount. Emeka requested ₦2,000,000 which suggests a specific purpose. Giving him ₦1.5M may not solve his actual problem and risks losing the relationship. His credit profile comfortably supports a 24-month commitment, and the tenor is within policy for his tier. The headroom is tight but workable given his income stability. Confirm his loan purpose before presenting — if it's capital expenditure or asset purchase, Option 2 is the right call.

Ask anything about this application...
Developer First

Simple, powerful API

Integrate credit scoring into your lending platform in minutes. RESTful API with a structured, predictable response format.

  • Multi-tenant architecture — one API key per fintech
  • Per-request risk policy overrides
  • Full decision explainability in every response
  • Comprehensive validation and error handling
View Documentation
POST /applications
curl -X POST https://api.mono-parser.shop/api/applications/initiate   -d '{
    "firstName":    "Olusegun",
    "lastName":     "Adeyemi",
    "email":        "olusegun.adeyemi@example.com",
    "phone":        "08012345678",
    "bvn":          "22345678901",
    "amount":       500000,
    "tenor":        12,
    "interestRate": 2.0,
    "purpose":      "Business expansion"
  }'

You have the capital.
We help you decide.

Join Nigerian fintechs using Mono-Parser to reduce default rates and approve more of the right loans.

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