Building the infrastructure for smarter SME lending in Africa
Patascore combines alternative-data credit scoring, origination infrastructure, and compliance-ready tooling to help financial institutions scale SME lending confidently.
Who We Are
We are a team dedicated to transforming SME finance across Africa. Over the past 8+ years, we’ve built Patascore, a credit solution powered by 300M+ alternative data points, designed to solve the core credit scoring challenge for underserved small businesses.
Along the way, we’ve also solved the distribution challenge — building infrastructure, rails, and operational capabilities to originate, assess, and manage SME lending at scale. Today, we open this infrastructure to partners — banks, MFIs, and fintechs — to help close the $330B MSME financing gap in Africa.
Our mission: Scale impact together, enabling better risk prediction, smarter origination, and digital credit delivery.
Why We Exist
When SME portfolios grow, NPLs go down. Wider data sets lead to safer lending and stronger portfolio quality. We help financial institutions achieve this, safely reaching underserved borrowers while driving growth and impact.
What We Do
Through Patascore, we empower financial institutions serving SMEs to scale digitally by providing:
Patascore helps financial institutions safely reach underserved borrowers while maintaining portfolio quality, regulatory compliance, and full governance oversight.
Access to broader alternative data for real-time scoring.
Tools to grow your lending portfolio without compromising risk.
Complementing existing traditional credit data to reach unbanked and excluded SMEs.
What Patascore Can Do for You
Predict risk beyond bureau-only models.
Access wider alternative data and new insights.
Higher approvals without higher defaults.
Increase revenue through better origination.
Source quality SME customers.
Track key metrics: customers served, ROI, loans disbursed, NPLs.
Built for Risk & Compliance
Explainable models with audit-ready documentation.
Clear governance and performance tracking.
Data privacy & security aligned with local regulations.
Why Build It When You Can Plug & Play?
Agile, modular models ready to integrate.
Lightweight loan management system that works with your core banking system.
Local support and long-term partnership approach.
Open APIs for seamless integration.
Pilots with clear success metrics.
Access to market intelligence and expanded datasets.