SME credit scoring software
for UEMOA banks.
Lend to more SMEs while keeping risk under control. SCORE360 adds an explainable, dynamic score to your analysis, and no customer data ever leaves your bank.
SME lending is still hard to assess and monitor.
Your credit team receives incomplete SME files. 85% of African SMEs have no complete balance sheet. Financial statements, when they exist, describe the past rather than real activity.
Visibility drops further after disbursement. Stress signals show up late, often at the first missed payment. Non-performing loans then weigh on your provisions and on your capacity to lend.
- SME files without usable financial statements
- Slow, costly analysis for small ticket sizes
- Few warning signals between two annual reviews
- Tight confidentiality and compliance constraints
A dynamic score that explains itself.
SCORE360 gives each SME a score from 300 to 850, with its main explanatory factors. Your analysts see why the score moves up or down and can justify it to your credit committee.
The score is built on the company’s real activity. PI-SPI payment flows, from the BCEAO’s interoperable instant payment platform, come through our partner fintechs and payment aggregators. e-SIGNAL, the first data partner for the pilot, adds the SME’s digital signals: orders and messages, customer interactions and online reputation.
After disbursement, the score keeps evolving. It updates as new flows and signals come in. The RISK module monitors each SME continuously and alerts you as soon as something drifts. Your relationship managers can then call the client, reschedule a repayment or offer refinancing before the loan deteriorates.
ENGINE
Computes the score and its explanatory factors, alongside your internal model.
RISK
Monitors your SME portfolio continuously and raises early warnings.
INSIGHT
Delivers the analysis to your credit and risk teams, file by file.
CONNECT
Links SCORE360 to your core banking through an API, with no system overhaul.
What each department gains.
SCORE360 serves the whole team behind SME lending. Everyone gets a concrete benefit, without changing their role.
Chief executive
Grow SME lending without increasing blind exposure. The score gives a shared reading of risk, from the branch to the executive committee.
Head of credit
Your analysts save time on files with no balance sheet. Explanatory factors structure the credit memo and ease the way through committee.
Chief risk officer
The RISK module monitors each SME continuously. Early warnings flag a drop in activity before the first missed payment.
CIO
CONNECT plugs in through a documented REST API, with SDKs, webhooks and a sandbox. The model runs inside your infrastructure, under your control.
Your data never leaves your bank.
The model is trained inside each institution. Only encrypted parameters are aggregated to improve the shared model. No raw data ever leaves your infrastructure.
Your CIO stays in control: TLS 1.3 encryption, role-based access control (RBAC) and audit logs. You get a stronger model without handing your customer files to a third party.
Designed for the UEMOA regulatory framework.
SCORE360 follows BCEAO regulations and each country’s data protection rules, including ARTCI oversight in Côte d’Ivoire (Law 2013-450). Data stays in the UEMOA region.
Customer consent is collected by your bank, under the UMOA credit bureau framework. SCORE360 complements credit bureaux such as Creditinfo West Africa, as well as guarantee funds. It does not replace them.
The decision stays yours. Every score goes through human validation before any loan is granted.
Start with a structured pilot.
The pilot runs for 6 to 9 months. It brings together one bank and two MFIs and is targeted to start in November 2026. You test the score on a defined part of your SME portfolio, with your teams and your criteria.
SCORE360 Sarl is based in Abidjan and is a 2026 Global Recognition Awards laureate. The offer covers all 8 UEMOA countries: Benin, Burkina Faso, Côte d’Ivoire, Guinea-Bissau, Mali, Niger, Senegal and Togo.
FAQ
Does SCORE360 replace the bank’s internal rating model?
No. SCORE360 complements your internal model. It adds a dynamic score from 300 to 850, based on the SME’s real activity, with its explanatory factors. Your analysts add it to their credit file. Your credit policy, thresholds and committee stay the same, and the final decision remains yours.
Does our customer data leave the bank?
No. With Federated Learning, the model is trained inside your infrastructure. Only encrypted parameters are aggregated, and no raw data leaves your bank. Exchanges are encrypted with TLS 1.3, access is controlled by role, and every action is recorded in audit logs your teams can review.
How does SCORE360 connect to our core banking system?
The CONNECT module links SCORE360 to your existing systems through a documented REST API. You do not need to overhaul your IT stack. Your CIO can test the integration in a sandbox before going live, then receive RISK module alerts through webhooks.
How do we start a pilot with SCORE360?
The pilot runs for 6 to 9 months with one bank and two MFIs and is targeted to start in November 2026. Together we define the scope, the tracking indicators and the compliance framework. Request a demo to review whether your bank is a good fit.
See SCORE360 on your SME portfolio.
A demo with your risk team is enough to assess whether a pilot makes sense.