Cash-flow underwriting
See the income a payslip misses.
A payslip and three-month bank statement remain a common path to proving creditworthiness. Hola Credit helps Namibian lenders and retailers understand real cash flow when an applicant is self-employed or earns irregularly.
Irregular does not mean invisible.
Freelancers, consultants, contractors, transport operators, traders, creators and other self-employed professionals may earn consistently without receiving one fixed salary deposit. Hola Credit structures the cash flow already visible in their statements, then shows the evidence, confidence and limitations behind each assessment.
From statement to reviewable evidence.
Record consent
The applicant authorises the organisation to process the statement for a defined credit assessment.
Upload securely
A loan officer submits a supported PDF or image through the secure portal.
Extract and check
The system identifies transactions, categorises cash flow and flags uncertain data for review.
Review the assessment
The lender sees income floor, consistency, volatility, red flags, evidence and a plain-language explanation.
Evidence for a decision. Not the decision itself.
Hola Credit does not approve or decline an applicant. It supplies a supplementary assessment alongside the lender's policies, formal credit-bureau checks and human judgement.
For Microlenders
Review applicants whose income patterns do not fit salary-only underwriting. Hola Credit structures the cash-flow evidence from borrower-consented bank statements, so loan officers can see income patterns, consistency and red flags alongside their existing policies and formal bureau checks.
Learn moreFor Retail Credit
Evaluate customers applying to purchase goods on credit without forcing every case into a payslip model. Hola Credit helps retail credit teams understand real customer cash flow from bank statements, supporting informed decisions at the point of sale.
Learn moreHonest about what the first score can prove.
At launch, extraction quality can be measured against labelled statements and assessments can be compared with experienced human review. Predictive accuracy against repayment outcomes can only be tested after real pilot loans have seasoned. Hola Credit does not make predictive claims before that evidence exists.
Financial data should have a short, accountable life.
Access is restricted by organisation and role. Consent is recorded. Every material action is logged. Raw statement retention is intentionally limited and must be confirmed before production use.
Learn about securityHelp shape a more useful way to review cash flow.
Try the demo now — no account needed. Join the waitlist for full production access.