Credit intelligence for Africa

The Architecture of Trust for African Capital

Acreed Insights bridges the trust gap between capital providers and African SMEs using continuous, verifiable data streams that turn credibility into capital-ready evidence.

VERIFY FUND MONITOR TRUST
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A thesis

Credibility is not a number. It is a history of behaviour under stress.

African private capital markets have never lacked entrepreneurs with potential; they have lacked a dynamic way to capture their creditworthiness and enterprise value, and, more importantly, to keep capturing it after capital changes hands.

For decades, fundraising has relied on static, point-in-time assessments frozen at the moment of origination. Once capital is deployed, the entrepreneur's operational discipline and repayment behaviour are trapped in silos, buried in a spreadsheet or locked in a legacy relationship manager’s memory. Because these data are isolated, they never serve the founder in their next funding round.

This "lossy handoff" creates costly compromises across the funding lifecycle. Entrepreneurs bear steep risk premiums and punitive interest rates because capital providers must price in the unknown and are often forced to accept unfavourable terms when they cannot demonstrate a continuous, verifiable track record. Acreed Insights closes that loop, converting every timely repayment and operational milestone into continuous, immutable evidence. It changes what founders can prove, and what they can access on the strength of that proof.

Acreed Insights · founding thesis
The journey

From verification to compounding trust.

Follow one SME, anonymised, as their record passes through each stage of the platform. Verification, funding, the bridge, continuous monitoring, and the success that becomes the credential for the next funding round. Note: Acreed Insights does not provide, arrange, or facilitate capital. The platform captures and verifies the details of funding independently raised by the entrepreneur, building a continuous and portable record of their financial track record.

Click any stage to jump straight to it

acreed · stage 1 of 5 · verification
SME Adunni O. · Lagos logistics SME
Pre-funding · Acreedify

Six pillars assessed.
One portable score.

Every input traceable, every weight published. The result is a score the SME owns and can carry to any capital provider in the network.

Fin. Health78
Credit/Debt64
Legitimacy88
Governance71
Track Record82
Funding Ready75
Business Verification Certificate
76/ 100
Acreed Credibility Score
Issued · 14 Jan 2026 · valid 90 days
Disbursement · capital deployed

The score supports the funding decision.

The funder deploys ₦18M of working capital. Acreedify's assessment data, alongside the agreed covenant schedule and ratios, are attached to the loan record at the moment of release.

0 M
Lender Business Bank
Tenor12 months
Rate14.5% (illustrative example only)
DSCR floor1.25×
Cash floor₦4M
The Bridge · zero re-entry

Underwriting data becomes monitoring data.

Every signed covenant, every assessment input, every connected account hands off automatically. Nothing is retyped. Nothing is lost.

Acreedify · origination
CAC verified
BVN matched
NIN verified
Bank linked
Tax compliant
Credit history
Acreed Pulse · monitoring
· · ·
· · ·
· · ·
· · ·
· · ·
· · ·
AcreedPulse · continuous heartbeat

The covenant book becomes an instrument.

Daily DSCR. Live cash position. Velocity against baseline. A composite signal — green, amber, red — with every underlying input visible.

Live · day 184 of 365 Healthy
DSCR1.82×vs 1.25 floor
Cash₦9.4Mvs ₦4M floor
Velocity−3.1%watching
Covenants12/12compliant
Success · the loop closes

Repayment becomes evidence.

The loan is repaid on schedule. Adunni's portable Track Record badge gains a verified cycle. Her next application opens with a stronger score.

76 81
Verified Track Record
1 cycle complete · score lifted 76 → 81
Cycle 01₦18M · Funder · repaid
Cycle 02Funder · in progress
Next cycle prepares Business Bank · ₦32M expansion
Stage 1 of 5 · Verification
Cycle
( The Platform )

Two systems.
One ledger.

First —

Acreedify

Pre-funding · originated score

A transparent, six-pillar assessment producing a portable Acreed Credibility Score from 0–100. Every input traceable. Every weight published.

  • Fin. HealthBank statement assessment, ratios, cohort comparison.
  • Credit & DebtPrior repayments, behavioural credit history.
  • LegitimacyNIN, BVN, CAC, tax compliance, address verification.
  • GovernanceBoard structure, reporting, audit posture.
  • Track RecordOperational history, sector performance.
  • Funding ReadyCompleteness of documentation.

The Bridge

Zero re-entry. Zero data loss.
Automatic at disbursement.

Then —

AcreedPulse

Post-funding · continuous heartbeat

At disbursement, Pulse activates. DSCR, cash position, and velocity evaluated against the originated score, daily.

  • Cov. StatusCovenant book monitored continuously.
  • Cash FlowCash flow trend vs origination baseline.
  • PaymentRepayment behaviour & defaults.
  • WithdrawalsDirector Withdrawal Index monitoring.
  • Cash ReserveCash reserve trajectory vs covenants.
  • RevenueRevenue consistency & predictability.
For both sides of the capital equation

Designed for the relationship,
built to deepen trust.

Capital providers in a boardroom
Capital providers
For funders

See the next default ninety days before it happens.

Replace quarterly reconciliation with a continuous instrument. Manage portfolios at the precision of an institutional risk desk, with the cadence of a savings account.

  • Portfolio dashboard with real-time covenant compliance
  • Early-warning composite indicator per SME, per day
  • Audit trail from origination input to monitoring outcome
  • Optional read-only access for institutional partners and DFIs
An African SME founder
SME founders
For owners & operators

Dynamic scoring supporting business growth.

The track record you build with one capital provider becomes the credential you bring to the next. Every repaid month deepens the file. Re-application stops meaning re-justification.

  • Portable Verified Track Record badge
  • One-click sharing across providers on the Acreed platform
  • Open banking connections you control, with revocation
  • Plain-language view of every scoring input
( Platform Intelligence )

Institutional-grade
clarity, rendered.

app.acreedinsights.com/portfolio
Overview
Analytics
SMEs
Compliance

Portfolio Health

23 Active SMEs · ₦4.2B Deployed
All Systems Nominal
Avg. DSCR1.74x↑ 0.12
Portfolio Score90/100↑ Stable
Covenant Compliance96%↑ 2.1%
Early Warnings2◆ Review
Cash Flow Velocity — Portfolio Aggregate
1M3M6M1Y
₦4.2B
SMEScoreDSCRStatus
TNTechNova Ltd982.14x● Healthy
ALAfrilog Ventures931.68x● Healthy
KHKora Health851.21x● Watch
SCSunCraft Energy921.89x● Healthy
Regulatory posture

Built for the regulatory environment of the markets we serve.

Nigeria Data Protection Commission
NDPA/NDPC
Nigeria Data Protection Act Compliant
ISO/IEC 27001
Working towards certification
( Defining Features )

Engineered with
tier-one precision.

The Bridge

Frictionless handoff. Verified data and covenants lock in at disbursement — zero re-entry, zero data loss.

Early Warning

Detects covenant breaches before they become defaults. Cash flow velocity analysis against baseline thresholds.

The Loopback

Credibility compounds. Successful repayment earns a verified Track Record badge — enriching the next application.

Data Sovereignty

Every data point encrypted and auditable. Compliant with applicable Nigerian financial and data protection regulations, with a framework designed to scale across African jurisdictions.

Transparent Scoring

Six-pillar assessment fully published.

Pan-African Reach

Multi-jurisdictional verification: CAC, FIRS, NIN — and expanding across the continent's regulatory frameworks.

The definitive ledger where African ambition meets institutional trust.

Be among the first to access the continuous credibility platform redefining how African capital is deployed, monitored, and trusted.