For microlenders
Review more than a salary line.
Structured cash-flow evidence from borrower-authorised bank statements, so loan officers can assess the applicants salary-only underwriting turns away, with a full audit trail for every case.
Exception underwriting, not exception handling
Many Namibian microlenders work with applicants who earn consistently but not through a single employer deposit. These applicants are usually handled as manual exceptions, judged case by case, with the reasoning living in one officer's head. Hola Credit turns that exception into a structured, repeatable assessment: the same evidence, the same signals, the same audit trail, for every applicant whose income does not fit a payslip.
What the evidence trail looks like
Every assessment is anchored to the transactions behind it. A loan officer can open the income floor, click through to the exact deposits that support it, and check the confidence level on each one. If an extraction looks wrong, the correction is recorded with before-and-after values. When a risk manager asks how a case was assessed, the answer is a link, not a memory.
Built for how risk teams actually review
Loan officers see their own cases. Risk managers can review across the organisation. Low-confidence extractions are routed to a human review queue instead of being pushed through. Every material action, sign-in, upload, correction, score generation, decision, is logged in an append-only audit trail with timestamps and actor attribution.
Operational speed without cutting corners
The upload-to-assessment pipeline targets completion within sixty seconds at the defined percentile. That is a processing-time target, not a claim about decision quality. Cases that need a human eye still get one. Speed comes from removing clerical work, not judgement.
Pilot access
Assess the whole book, not just the easy files.
Pilot access is available for authorised Namibian microlenders who want to evaluate cash-flow evidence alongside their existing assessment process.