Redefining SME lending decisions with explainable AI
The credit scoring and lending intelligence platform for lenders providing credit to African SMEs.
The infrastructure behind African credit
96%
of Nigerian SMEs excluded
from formal credit
$150B+
SME financing gap
in Nigeria alone
<60s
average automated
decision time
Built for institutions powering Africa’s financing gap
Digital Lenders & Fintechs
Commercial Banks
DFI & Government Programmes
FMCG Embedded Finance
Microfinance Banks
The platform, module by module
Four modules. One lending lifecycle.
Scoring
AI credit scoring, built for thin-file borrowers
Financial, alternative and behavioural data feed a scoring engine that reads the signals bureau-only models miss.
Cash-flow stability78
Sector risk (FMCG)64
Verification
Identity and business verification, cleared automatically
BVN, NIN and CAC checks confirm identity and business legitimacy automatically, before an underwriter ever needs to look.
BVN matchCleared
CAC registrationCleared
Fraud check
Fraud screening that runs alongside every score
Blacklist matches, device fingerprinting and identity checks run alongside scoring so nothing slips through.
Blacklist matchClear
Application velocityReview
Monitoring
Monitoring & repayments
Same-day electronic transfers with automated repayment collection.
Early warning alerts2 flagged
Repayment trackingOn-time 91%
Built to integrate
One API call. A complete decision.
Score, evaluation and fraud check returned together so your loan origination system gets everything it needs in a single response.
Authorization: Bearer YOUR_API_KEY
Content-Type: application/json
{
“applicant_id”: “SME-88213”,
“bvn”: “22190334xxxx”,
“requested_amount”: 2500000
}
{
“score”: 742,
“band”: “B+”,
“decision”: “approve”
}
Real-time processing
Automated cases return a decision in under a minute; borderline files route to more time in review.
Explainable by design
Every score ships with the factors behind it, so your credit committee or regulator can see exactly why.
Modular from day one
Call a single endpoint for your existing loan origination system, or the full origination-to-disbursement platform.
Compliance-first, by design
Built around Nigeria’s regulatory environment from day one
Discover Yadem
Five things worth knowing
What is Yadem?
Credit infrastructure that plugs into your existing loan origination workflow, handling scoring, verification and fraud detection so lenders don’t have to build it themselves.
How does Yadem work?
Strong applications clear in a minute. Borderline cases route to your underwriters with the reasoning already surfaced.
What powers Yadem?
Bank statements, all three licensed Nigerian bureaus, mobile money, POS activity and KYC/KYB checks, all in one place.
What can Yadem do for you?
Lower default risk with fuller applicant data, cut turnaround time, and catch early warning signs on borrowers before it’s too late.
Why have we built Yadem?
96% of Nigerian SMEs are shut out of formal credit. Most are creditworthy borrowers; the infrastructure to prove it simply hasn’t existed until now.
Score every application. Fund every opportunity.
Automated scoring, verification and fraud detection in one platform.
Got questions?
Frequently asked
Does YADEM lend money directly?
No. YADEM is credit infrastructure, not a lender. We provide scoring, verification and fraud detection that licensed institutions use to make and fund their own lending decisions.
Which institutions can use YADEM?
Digital lenders and fintechs, commercial banks, microfinance banks, DFI and government programmes, and FMCG embedded finance providers.
How does YADEM integrate with our existing systems?
Clearly documented REST endpoints that plug into your existing loan origination system without a rebuild. Most integrations are live within weeks.
Is our data safe and compliant?
Yes. Processing is consent-based and purpose-limited under NDPA 2023, with data localised and every access point auditable.
When can we start piloting?
We're onboarding a small first group of programmes now. Request a demo and we'll walk you through timelines for your institution.
Credit scoring engine for lenders providing credit to African SMEs
© 2026 Yadem. All rights reserved. · Lagos, Nigeria