For Fintechs

Lending infrastructure built for fintechs to ship credit fast

Launch and scale credit products with origination, servicing and compliance infrastructure, while your team stays focused on the customer product.

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Build on the APIReach origination, decisioning, servicing and collections through APIs and event webhooks, and build the borrower experience you want on top.
Go live in 7 daysStart with configurable products, workflows and risk rules that are ready on day one.
Compliance handled at every stepUse built-in KYC, AML screening and audit trails from day one.

Your product, on our lending rails

You own the customer experience. We run the ledger, the schedules and the collections behind it, and you reach all of it through the API.

  • Create clients and loans, approve, disburse and record repayments with plain REST calls.
  • Add an Idempotency-Key and a retry can never disburse or collect twice.
  • Scoped tokens, rate-limit headers and a sandbox company to build in.
Read the developer docs 
# Create a loan for a client, safely retryable
curl -X POST https://creditwatch.online/api/v1/loan/store \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Idempotency-Key: order-88213" \
  -d client_id=482 \
  -d loan_product_id=3 \
  -d applied_amount=500 \
  -d loan_term=1 \
  -d repayment_frequency=1 \
  -d repayment_frequency_type=months \
  -d interest_rate=10 \
  -d expected_disbursement_date=2026-10-20

An embedded loan, in six steps

The flow most fintechs build first.

QuoteCall the loan calculator to show the repayment schedule before the customer commits.
OnboardCreate the client and attach identification, with KYC and blacklist checks.
DecideDecision rules and credit checks approve, decline or refer, and you change them without a release.
DisburseRelease funds to the customer through your payment integration.
CollectRepayments come back by payment link or mobile-money callback and post to the loan on their own.
Remind and recoverMessages before and after the due date, promises to pay and escalation when needed.

Built for the people building on it

Details your engineers will notice.

Safe retriesIdempotency keys on every money-moving call.
Predictable limitsPer-token rate limits with headers, raised on request.
Products as configurationLaunch a new loan product by configuring it, not shipping code.
White-label portal and appUse the borrower portal and mobile app under your brand, or build your own.
A sandbox to build inAsk for a sandbox company with sample products and clients.
AI agentsPut an assistant on your website, WhatsApp and socials for service and collections.

What fintechs worry about

And how the platform answers each one.

The challengeWe have to launch before the window closes.
How we helpConfigure products, rules and notifications, and have your first loans out in about 7 days.
The challengeCompliance has to be there from the first customer.
How we helpKYC, sanctions screening and an audit trail are part of the flow from day one.
The challengeCollections cost more than the margin.
How we helpPayment links, automated reminders and promise-to-pay tracking keep manual chasing low.
The challengeVolume will grow faster than the team.
How we helpServicing, schedules and arrears run on rules, so the team does not need to grow with the book.
The challengeWe do not want to be locked in.
How we helpEverything is available through the API, and you can export your data whenever you need it.

Payments and messaging you can connect

Integrations already in the platform, with more through the API. We help you connect the ones you use.

M-PesaPaynowFlutterwaveStripePayPalSMS gatewaysEmailPayment linksYour own APIs

How we help you set up and start running

A clear plan from the first conversation to your first live loan, usually done within 7 days.

Day 1
Discovery and API accessWe agree the product, the data you will send and receive, and give your engineers sandbox access and API credentials.
Days 2 to 3
Configure products and rulesWe configure loan products, fees, schedules, decisioning rules and notifications so they match your launch plan.
Days 4 to 5
IntegrateYour team connects the app, payments and identity providers while we help with the lending logic and test cases.
Day 6
Test with real journeysWe run applications, disbursements, repayments, arrears and closures end to end before any customer sees it.
Day 7
Launch and scaleFirst loans go out, and we stay close as volume grows and you add products.

What you can run on Credit Watch

A few of the lending products these lenders run with us.

Embedded and in-app lendingDigital salary advanceDigital micro-loansMerchant and SME creditPartner-led credit products

Get started with Credit Watch

See first-hand how Credit Watch can push the boundaries of your lending business. Sign up free and we will be with you every step of the way.

Get started for free Talk to our team
Or call us on +260 953 436 602