AI driven Credit Scoring
Infrastructure powering
SME lending
We have scored more than 200,000+ users from wider data sets of more than 100 million transactions.





You do the business,
We'll handle the scoring.
Patascore enables one source of truth through providing various innovative solutions.
Identity Verification
Lender is able to verify the authenticity of provided identification details for an individual or business.
Financial statements analyser
Borrower mobile money and bank statements real time extraction and analytics.
Credit Scoring as a service
Analyze transactional data with ease—designed to help get credit score and financial behavior instantly.
Credit Report
Easily access your credit report—track your financial behavior, and take control of your financial future with confidence.
Elimiza
Access useful content to help an MSME to grow their business and understand how to use credit productively.

Our Results in Numbers
Discover the real impact Patascore has made. Patascore drives portfolio quality at scale.
60%
increase in disbursed loans.
Our AI-driven credit scoring models have processed over 5 million loan applications, reducing manual intervention by 80% and cutting turnaround time to under 30 minutes.
400,000 +
MSMEs Funded
We’ve enabled 400,000 MSMEs without traditional credit histories to access financing while ensuring transparent decision-making.
20%
of applications flagged as suspicious
Our AI driven models have flagged 20% of applications as suspicious, preventing more than 200,000 cases of potential fraud.
20%
Improved loan approval rates
Our AI models have improved loan approval rates by 20% while maintaining a 5% default rate.
How it works ?
Patascore, our proprietary AI driven credit scoring technology offers 85% predictive accuracy
Inputs
- Transactional Data
- Bank and Mobile money statements
- Credit Bureau Data
Patascore AI Driven Engine
- Gen AI statement Extraction Module
- Configurable Business Rules
- AI Fraud Detection
Output
- AI Credit report for MSMEs
- Credit Scores and Loan Limits
- Fraud Results and rejection Reasons

Access our scoring APIs
With our API first approach, you can easily connect your infrastructure with our scoring solutions.

Two ways you can access our solution
We've made it easy for you to experience the power of contextual credit scoring:
Common Questions & Answers
Here’s everything you need to know about Patascore, from features to getting started.
Got any specific questions?
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