Embedded credit
software for

Embed Goodloans to launch credit products, to create custom credit scoring parameters, to process applications and to automatically collect repayments from your business customers.

Provide your own liquidity, or launch a marketplace with multiple credit providers. Services available via a single API, or a seamless SaaS interface.
Goodoans Embedded Credit SoftwareGoodloans Embedded Credit Software
Goodloans is backed by leading fintech investors
Google LogoChandaria CapitalOcterra Capital logoGluwa Capital logoArtha India Ventures logo
David WaithakaCellulant Logo

"Our partnership with Goodloans will enable Cellulant to gain new business partners by enabling these businesses to access great credit products from a variety of lenders.”

- David Waithaka, Chief Revenue Officer (Cellulant)

Cellulant, the biggest payment processor in Africa, which processes 12% of all digital payments in Africa, signed a multi-year deal with Goodloans to support their goal of attracting 50,000 new merchants. Find out more.

Grow your margins with embedded finance

Improve user experience by quickly launching a white labelled solution that connects your business customers with capital.

Provide your own liquidity, or launch a marketplace with multiple credit providers. Lenders can leverage our platform to quickly identify, assess and fund low-risk purchases.

Launch credit products, tied to a specific product or service

Reduce risk by offering SMEs credit products tied to specific uses and/or suppliers.

Lines of Credit

Launch lines of credit for use by your merchants at specific third party companies.


Enable trusted merchants to access loans to grow their businesses.

Invoice Finance

Enable merchants to boost cashflow by securing invoice-based finance.

Create configurable, AI-powered credit scoring parameters. Reduce NPLs with automatic credit model performance management

Lenders can leverage the Goodloans platform to easily access and assess various data sources, including:

  • Android mobile device data (incl. mobile money and geolocation)
  • Bank account data
  • ERP/accounting system data
  • Psychometric data

Process credit applications up to 100x faster

Eliminate cumbersome processes by automatically filtering out unsuitable credit applications. Save time, minimise costs and reduce risk with:

  • Automatic applicant eligibility verification
  • Automatic collection of repayments from mobile wallets, or bank accounts
  • Centralised customer records (incl. KYC) and single-click export for painless regulatory reporting
  • Financial situation monitoring and proactive credit product recommendation

Offer credit in any African country

Operating in multiple markets? Use our configurable infrastructure to quickly launch and maintain scalable, AI-powered credit products in any market.

Speak to an expert
Goodloans Africa Coverage
Goodloans has been covered in leading tech publications and was featured at Web Summit 2022

Rapid time to value: configure in minutes, launch in weeks

Goodloans was built by developers, for developers.

Our platform combines leading-edge AI, elegant pre-built components and industry-leading expertise. Everything is accessible via a single API, or a seamless SaaS interface.

access documentation
curl -L -X POST 'https://api.goodloans.co/v1/portal/lender/products' \
-H 'Content-Type: application/json' \
-H 'Accept: application/json' \
--data-raw '{
  "interest_type": "fixed_rate",
  "country": "kenya",
  "exclude_failed_loan_repayments": false,
  "grace_period_days": 0,
  "loan_term_days": 0,
  "repayment_frequency": "daily",
  "repayment_method": "mobile_wallet",
curl -L -X GET 'https://api.goodloans.co/v1/portal/lender/applicants/:id/kyc' \
-H 'Accept: application/json'
curl -L -X GET 'https://api.goodloans.co/v1/portal/lender/applicants/:id/health/report' \
-H 'Accept: application/json'
curl -L -X POST 'https://api.goodloans.co/v1/applicant/authorize' \
-H 'Content-Type: application/json' \
-H 'Accept: application/json' \
--data-raw '{
  "applicant_id": "string"

Pay as you grow

Goodloans scales with your success.

No Setup Fees

Forget the 6 figure setup fee. Our team of fintech experts will get you up and running, free of charge.

No Constraints

High volumes or unique business model? Not a problem. We can accommodate your needs through a customised offering.

Flexible Terms

Lock-in discounts with long-term deals, or get started with pay-as-you-go pricing. You’re in control.