For retail credit
Credit checks built for how customers actually earn.
Structured cash-flow evidence for retail credit teams, so a customer without a payslip can be assessed on what their money actually does, at the pace of the counter.
Point-of-sale review that fits the counter
Retail credit teams regularly assess customers who want to purchase goods on credit but do not earn a fixed salary. Hola Credit helps those teams understand the cash-flow evidence in a borrower-authorised bank statement, at the pace a counter actually moves at. The assessment is written in plain language, so it can be read, questioned and explained without a data specialist in the room.
Staff roles that match retail operations
Not every retail credit desk looks like a bank's. Hola Credit ships with roles that map onto how retail teams actually work: counter staff who start cases, credit leads who review assessments, and managers who see across the branch. Access is restricted by organisation and role, enforced on the server rather than only in the interface.
Case consistency across locations and staff
Two branches should not produce two different answers for the same kind of applicant. The assessment is deterministic: the same statement data and the same policy version produce the same result, whoever runs the case and wherever it is run. Consistency here is not a promise, it is a property of the design.
Pilot access
Sell on credit with evidence, not guesswork.
Pilot access is available for authorised Namibian retailers who want to test structured cash-flow evidence alongside their existing credit assessment process.