nanoCredit ® Technology
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Algorithmic Credit De-Risking ( ACD ) with Structured Digital Finance Which small business or, farm would not benefit from an improved credit risk ? World wide, an estimated 2 billion informal small business and farms ( incl. sole proprietors and smallholder farmers ) are assessed to be credit-unworthy or, simply unknown by the formal finance sector. nanoCredit has designed ACD products that systematically structure-out credit risk from the small businesses and farms found in financial inclusion market segment. Traditionally, credit was granted on the basis of Character, and later, Collateral. Recently, credit on the basis of Capacity has been introduced and only partially engaged or not fully harnessed. We make fintech apps to increase structured cash flow lending, lower borrower risk and enhance loan risk to small and medium enterprises and farms (SME/F) in emerging economies. Funders, lenders, digital financiers, mobile money operators, development bankers or impact investors may always reserve its right to retain security. Nevertheless, nanoCredit's approach focuses on achieving financial inclusion by arranging cash flow-based funding structures, as well as, measuring and auto-mentoring the SME/F into sustainable, predictable cash flow operation. Three credit risk advisory and arranging engines unlock higher quality access to finance , namely: 1. nanoLender™ 2. nanoMentor™ 3. Forest™. nanoCredit's lending and de-risking data-engine extracts limited un-/structured,data from any paper-based or paperless SME/F data delivers forward-looking credit risk decision from loan sizing to loan repayment or recovery – i.e the loan life cycle. In brief, we propose that ACD delivered via digital and mobile channels will significantly scale global financial inclusion.
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