@johnkibe

Cladfy Blog

@johnkibeJoined November 2022

Last-mile lending infrastructure for emerging markets

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Cladfy — Loan Status & Cashflow Scoring Guide

1. Loan Status Each lender relationship is assigned a loan status based on transaction analysis. Status Meaning 🟢 Fully Paid Loan appears fully repaid. No outstanding obligation. 🟢 Multiple

Mar 16 · 3 min readblog.cladfy.com

Cashflow Score by Cladfy Inc.

What is the Cashflow Score? The Cashflow Score is an AI-powered default prediction score delivered through the CashIQ platform by Cladfy Inc. It is not a credit bureau score; it does not access CRB da

Mar 13 · 8 min readblog.cladfy.com

Calculating Payable Amount for a Short-Term Loan Product

Using an Annualized Interest Rate - a 25% for 6 Weeks example If you’re a lender offering short-term loans, you’ve probably dealt with Flat Interest Loans that run for just a few weeks.Let’s say you want to create a loan product that charges a 25% fl...

Oct 8, 2025 · 2 min readblog.cladfy.com

Logiclabs: Credit Scorecards for microfinance lenders

The best microfinance lenders know their community inside and out. But even with deep local insight, lending decisions can sometimes feel part gut instinct, part spreadsheet chaos. Bring Order to the Chaos That’s where Logiclabs comes in. We built th...

Apr 15, 2025 · 2 min readblog.cladfy.com

Cash Flow Underwriting Doesn’t Have to Be Complicated

Someone recently said something that stuck with us at Cladfy: "No credit analyst has ever been fired for using ‘number of days with a negative balance’ as an attribute." That’s it. That’s the blog. …Okay, not quite. But this one-liner captures a fund...

Apr 5, 2025 · 2 min readblog.cladfy.com

Cladfy Blog

About

Available for

Cladfy Blog's blogs

Cladfy — Loan Status & Cashflow Scoring Guide

Cashflow Score by Cladfy Inc.

Calculating Payable Amount for a Short-Term Loan Product

Logiclabs: Credit Scorecards for microfinance lenders

Cash Flow Underwriting Doesn’t Have to Be Complicated

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Cladfy Blog

About

Available for

Cladfy Blog's blogs

Cladfy — Loan Status & Cashflow Scoring Guide

Cashflow Score by Cladfy Inc.

Calculating Payable Amount for a Short-Term Loan Product

Logiclabs: Credit Scorecards for microfinance lenders

Cash Flow Underwriting Doesn’t Have to Be Complicated