Oct 30, 2025 · 3 min read · Executive summary India’s SME sector is a growth engine — but it’s held back by fragmented finance tools, manual processes, and liquidity constraints. Modern fintech platforms combine payment rails, invoice financing, APIs, and AI to offer a composab...
Join discussionApr 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...
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Dec 5, 2024 · 2 min read · Lenders save money, reduce turnaround times, and improve borrower experiences by taking advantage of new technology to streamline processes. Here’s how one particular technique; cashflow underwriting is making a difference: 🔹 Faster Bank Statement P...
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Apr 26, 2024 · 2 min read · Today, we’re excited to announce the launch of our new credit scoring APIs. These APIs leverage alternative data sources, including mobile money, bank statements, repayments, savings, and background data to provide a more comprehensive view of a borr...
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Jul 20, 2023 · 1 min read · Lenders need to track a variety of metrics to ensure the success of their business. However, five process-based metrics are particularly important: By tracking these metrics, lenders can gain insights into their lending operations and make infor...
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