SCORE360
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SCORE360Sounder SME credit decisions
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Solutions

Built for
every financial institution.

SCORE360 plugs into your systems as a white-label solution and never takes over your regulatory role. The lending decision always stays yours.

MFIs & SFDsCommercial banksCredit fintechsDigitalising SFDs
MFIs & SFDs

Lend to semi-formal SMEs with confidence.

You finance the largest segment of African SMEs, often with no financial statements and little banking history. SCORE360 gives you a dynamic score built on their real flows, sector KPIs and digital signals. No balance sheet required.

  • Score SMEs without full financial statements
  • PI-SPI flows through our partner fintechs and aggregators
  • Early warnings, before the first missed payment
  • Built-in regulatory reporting
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ReadMicrofinance credit scoring: financing more SMEs without taking on more risk →
85 %of African SMEs lack full financials. With SCORE360, you can score them.
What you get
Score delivered in < 5 seconds
Lower analysis cost per loan file
No raw data ever shared
Commercial banks

Cut NPLs. Sharpen your SME analysis.

UEMOA commercial banks carry a significant share of non-performing loans in their SME books. SCORE360 gives you continuous visibility into your borrowers' real activity. You spot stress signals well before default and identify refinancing opportunities proactively.

  • Continuous monitoring of your SME portfolio
  • Early warning on NPL signals
  • Complements your internal model
  • Plugs into your core banking via CONNECT
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ReadHow to reduce SME non-performing loans with dynamic credit scoring →
–90 dhead start on default signals before the critical due date
What you get
A measurably lower NPL rate
Fewer costly provisions
A healthier, more profitable SME portfolio
Credit fintechs

Embedded API scoring. More qualified volume.

Your lending flow needs fast, accurate scoring that plugs in natively. SCORE360's documented REST API returns a score and a recommendation in seconds. No SME data ever leaves your platform.

  • Score in < 3 seconds via REST API
  • Real-time webhooks on score events
  • Sandbox and test keys available right away
  • Per-call billing, no minimum
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ReadAdopting Federated Learning without overhauling your IT systems →
< 3 sAPI latency: real-time scoring inside your lending flow
What you get
Full integration in < 5 days
More approvals, stable NPL rate
No minimum call volume
Digitalising SFDs

Go digital at your own pace. We're with you.

Decentralised financial systems going digital hold strong, untapped potential. SCORE360 offers you a step-by-step activation: start by connecting your clients' payment flows through our partner fintechs and aggregators, then switch on ENGINE as your data grows.

  • Start with your payment flows, no technical prerequisites
  • A score that sharpens as your data matures
  • Training and onboarding included
  • Step-by-step move to automated scoring
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ReadFinancing African SMEs: what the BCEAO’s PI-SPI and Federated Learning change →
2 phasesof activation: payment flows first, ENGINE when you're ready
What you get
No infrastructure prerequisites
Scoring up and running from your first data
Hands-on human support at every step

Don't see your use case?

Every institution has its own constraints. Let's talk: our product team reviews every case.

Talk to our team