Transforming African SME Lending Outcomes

for PSPs
for B2B Platforms
for Lenders
Goodloans plugs into your existing infrastructure. You can use our software and APIs to embed credit products, reduce fraud, lower operational costs, increase credit application conversion and improve NPL rates.
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.”

- David Waithaka, Chief Revenue Officer (Cellulant)

Cellulant, a pan-African payments company that operates in 35 countries and processes 12% of all digital payments on the continent annually, have signed a multi-year deal with Goodloans to support their goal of attracting 50,000 new SME customers. Find out more.

Reduce fraud risk, maintain low NPLs and grow your portfolio with a data-driven solution

Flag fraudulent applications and maintain low NPLs with AI-powered credit model management. Analyse various data sources via the Goodloans Data Pipeline, including:

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

Reduce operational costs with rapid processing and automatic collection of repayments

Automatically identify high quality credit applications and filter out unsuitable ones. Save time, minimise costs and reduce risk with:

  • 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

Embed 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 SME customers at specific third party companies.


Enable trusted SME customers to access loans to grow their businesses.

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. We were featured at WIRED: Future of Money 2022 and Web Summit 2022
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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 API, or a seamless SaaS interface.

access documentation
curl -L -X POST '' \
-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 '' \
-H 'Accept: application/json'
curl -L -X GET '' \
-H 'Accept: application/json'
curl -L -X POST '' \
-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.