@johnkibe

Cladfy — Loan Status & Cashflow Scoring Guide

Mar 16 · 3 min read · 1. Loan Status Each lender relationship is assigned a loan status based on transaction analysis. Status Meaning 🟢 Fully Paid Loan appears fully repaid. No outstanding obligation. 🟢 Multiple

Cashflow Score by Cladfy Inc.

Mar 13 · 8 min read · What is the Cashflow Score? The Cashflow Score is an AI-powered default prediction score delivered through the CashIQ platform by Cladfy Inc. It is not a credit bureau score; it does not access CRB da

Calculating Payable Amount for a Short-Term Loan Product

Oct 8, 2025 · 2 min read · Using an Annualized Interest Rate - a 25% for 6 Weeks example If you’re a lender offering short-term loans, you’ve probably dealt with Flat Interest Loans that run for just a few weeks.Let’s say you want to create a loan product that charges a 25% fl...

Logiclabs: Credit Scorecards for microfinance lenders

Apr 15, 2025 · 2 min read · The best microfinance lenders know their community inside and out. But even with deep local insight, lending decisions can sometimes feel part gut instinct, part spreadsheet chaos. Bring Order to the Chaos That’s where Logiclabs comes in. We built th...

Cash Flow Underwriting Doesn’t Have to Be Complicated

Apr 5, 2025 · 2 min read · Someone recently said something that stuck with us at Cladfy: "No credit analyst has ever been fired for using ‘number of days with a negative balance’ as an attribute." That’s it. That’s the blog. …Okay, not quite. But this one-liner captures a fund...