Microfinance credit scoring
to lend to more SMEs.
Assess SMEs that have no balance sheet, based on their real activity. SCORE360 gives you a clear, explainable score, and your data stays inside your institution.
Your clients are creditworthy, but hard to prove.
You serve the largest segment of African SMEs. 85% of them have no complete balance sheet. Their banking history is short and their collateral is limited.
Your loan officers make up for it with field knowledge. That approach is costly, hard to standardise across branches, and does not follow the client after disbursement.
- Semi-formal SMEs with no financial statements
- Manual analysis that varies from branch to branch
- Limited portfolio monitoring between visits
- Often modest IT resources
A score built on the SME’s real activity.
SCORE360 gives a score from 300 to 850, with its main explanatory factors. Your loan officer understands the result and can explain it to the client and to the credit committee.
The score reads what the SME actually does. PI-SPI flows, from the BCEAO’s interoperable instant payment platform open to banks, e-money issuers and MFIs, come through our partner fintechs and payment aggregators. e-SIGNAL, the first data partner for the pilot, adds 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 loan officer can then visit the client or adjust the repayment schedule, before the first missed payment.
ENGINE
Produces the score and its explanatory factors for each SME.
RISK
Monitors your portfolio continuously and warns you before the first missed payment.
e-SIGNAL
Brings the SME’s digital signals into the analysis.
CONNECT
Plugs into your existing information system through an API.
What each department gains.
SCORE360 supports the whole lending chain, from head office to branch. Everyone gets a concrete benefit.
Chief executive
Widen your SME client base while keeping risk under control. You get a consistent view of the portfolio across branches.
Head of credit
Your loan officers rely on an explainable score on top of their field knowledge. Files become more consistent from one branch to the next.
Chief risk officer
Early warnings from the RISK module flag struggling SMEs before the first missed payment, without waiting for the next visit.
IT team
CONNECT plugs into your system through an API. The model runs on your side, and the integration is first tested in a sandbox.
Pool the intelligence, not the data.
The model trains inside your institution. Only encrypted parameters are aggregated with those of other participants. No raw data ever leaves your MFI.
You benefit from a stronger model than any single institution could build alone. Security relies on TLS 1.3 encryption, role-based access control and audit logs.
A human decision, within the BCEAO 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 institution, under the UMOA credit bureau framework. SCORE360 complements credit bureaux and guarantee funds. Every score goes through human validation, and the decision stays yours.
Join the pilot.
The pilot runs for 6 to 9 months and brings together one bank and two MFIs. It is targeted to start in November 2026. You test the score on part of your portfolio, with your loan officers 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
Can you score an SME that has no balance sheet?
Yes. That is exactly what SCORE360 is for. The score relies on the SME’s real activity: PI-SPI payment flows received through our partner fintechs and aggregators, and digital signals from e-SIGNAL. You get a score from 300 to 850 with its explanatory factors, even without complete financial statements.
Do we need a large IT team to use SCORE360?
No. The CONNECT module plugs into your existing system through a documented API. The model runs inside your institution thanks to Federated Learning, with no overhaul of your IT stack. During the pilot, we agree on a scope that matches your resources and your teams’ availability.
Is our data shared with other MFIs?
No. Only encrypted model parameters are aggregated. No raw data leaves your institution, and no other MFI can see your clients. Access is controlled by role, exchanges are encrypted with TLS 1.3, and every action is recorded in audit logs that your teams can review.
Who makes the lending decision?
Your institution, always. SCORE360 provides a score and its explanatory factors. Every score goes through human validation. Your committee keeps its credit policy, its thresholds and its regulatory responsibility towards the BCEAO. Customer consent is still collected by your own teams.
Lend to more SMEs, with confidence.
Show us a typical portfolio. We will show you how SCORE360 assesses it.