Products that power your lending business
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Our products
CreditIQ
Your automated affordability and decisioning engine.
SmartScan Solution
Advanced document capture and categorization — built for finance.
MobileConnect — SMS & USSD Client Engagement Tools
Connect, verify, and authorize — even without data or apps.
SecureCloud Storage
Encrypted, audit-ready document storage hosted in South Africa.
ConnectAPI
Seamless integrations to loan admin platforms, Credit Bureau’s, and CRMs.
CreditIQ — Affordability & Decisioning Engine
“CreditIQ puts your lending process on autopilot — faster approvals, lower risk, and bulletproof compliance — all aligned with your credit policy and backed by intelligent automation.”
CreditIQ is the core of CreditMate’s platform — overseeing the entire credit application lifecycle from document intake and client verification to real-time affordability assessments, supervisor interventions, product scoring, intelligent document handling and reporting.
Built-in pre- and post-audits, rule-based triggers, and role-specific management tools ensure every step aligns with your credit policy — all within a single, intelligent, integrated system.
Once our team has aligned your credit policy with the rule setup and linked your loan products to your risk tolerance, you can dive straight in and start doing business. Create multiple risk profiles according to branch, region or products.
Features:
- Client information – validation, amendments, and honesty checks
- Affordability – live interaction, assessment and correct allocation
- Warning & Error Alerts – for oversight and validation
- Override functionality – only where needed
- Score loan products & success value ranges
- Pre/Post Audit functionality
- Online acceptance & signing
- Custom risk profiles — unlimited and configurable per branch, product, or region
- User access & Security controls
- Pre/Post Audit trails
- Full Reporting
- Regulatory Compliance – GDPR and NCA compliant
MobileConnect — SMS & USSD Client Engagement Tools
“Connect, verify, and authorize — even without data or airtime.”
MobileConnect bridges the gap between our digital platform and mobile clients. Whether for authorisation, file access or electronic signatures, our USSD and SMS tools deliver real-time interaction, ensuring compliance and client convenience — even in low-connectivity environments.
Features:
- OTP via SMS for legally valid client consent
- SMS/USSD application authorization and electronic signing
- Tiered clouds storage — access per user role
- Pre-screening via USSD (optional: short financial questionnaire)
- Integration with CreditIQ and backend API
- No smartphone or data required — works on any mobile device
SmartScan Solution — Document Scanning & Categorization
“Every document exactly where it belongs — no folders, no chaos.”
SmartScan is a purpose-built document scanning engine for financial workflows. It enables instant scanning via an integrated desk scanner with auto – upload, allocation and categorization — packed with features like auto-focus, multi-page scanning, edge fixing, colour enhancement, cropping, rotation and OCR. No more manual intervention.
Features:
- Robust document scanner – handle any load
- SmartScan solution – ensures a seamless, intelligent workflow
ConnectAPI — Seamless Integration Layer
“Link your systems. Liberate your workflow.”
ConnectAPI is your plug-and-play integration layer linking CreditMate to loan admin platforms (e.g. Maxmoney), credit bureaus, SMS/OTP services and CRMs — enabling seamless, real-time data flow across your ecosystem.
Features:
- Integrated with Experian (API) and others on request
- API access to access to loan admin platforms (LAPs)
- Custom webhook triggers and result callbacks
- Secure API token control
- Handles consent flow and file linking
- Supports OTP, e-signature, and document feeds
SecureCloud Storage — Encrypted Document Archiving
“Every file. Always safe. Instantly retrievable.”
SecureCloud ensures that every credit assessment and its supporting documentation is securely stored and instantly retrievable. Never worry about misfiled applications or missing documents again. No more files aging in storage — retrieve them as clean and complete as the day they were stored. Fully compliant with South African data laws and audit requirements, with full version tracking and access history.
Features:
- Local SA-based data hosting
- Secure, automated backups to prevent data loss
- Tiered access control (agent, supervisor, admin)
- Encrypted file storage
- Audit-ready access logs
- File versioning & edit history
- Instant retrieval by keyword or reference number
- Export to PDF or share via secure link
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