Credit should work for everyone. We're building that.
We help financial service providers see real incomes, formal or informal, so more people can get credit they can afford.
Trusted by
Institutions Across
Africa
What we build with our partners
built on dependable rails.
Five product areas. One platform. Each built on real income data so more people get credit they can actually afford.
05 product areas ↓
01 / 05
Credit decisions made from live transaction and mobile money data, not payslips. Built for salaried, gig, and informal earners who have real income but no paper trail.
Our engine reads 90 days of income and spending patterns to determine repayment capacity. Decisions take under two minutes and funds land directly in the borrower's mobile wallet.
For
< 2 min
Average decision time
02 / 05
Unsecured digital lending delivered inside a partner's own ecosystem. We use the partner's proprietary data to make credit decisions for the customers they already serve.
The lending layer sits natively within the partner product. Customer transaction flows, utility records, and mobile money history replace traditional bureau data, extending credit to people who are already active on the platform.
For
3× higher
Conversion vs redirected flows
03 / 05
Instalment credit offered at the point of purchase, sized to what the buyer can genuinely afford based on verified income and spending data.
We assess repayment capacity before approval rather than after, so merchants see higher conversions and borrowers receive instalments they can sustain over the full term.
For
↑ 40%
Average basket size
04 / 05
Asset-backed financing for phones, vehicles, and productive equipment. Powered by Kopagari, Black Swan's dedicated credit brand for productive asset lending.
Income verification against live cashflow data ensures repayment schedules match what each borrower can actually sustain from day one, not just what they state on an application.
For
Asset-backed
Lower default risk
05 / 05
We help lenders make fast, confident credit decisions for small businesses by rapidly analysing their financial statements and business cashflow data.
Key signals from business accounts, POS data, and payment rails are surfaced quickly so a lender can size a working capital facility in hours. Repayment structures align to the operating cycle of the business.
For
Hours
From statement to decision
One platform. Three capabilities.
Decisioning and credit intelligence
Helps institutions understand how people earn, spend, and repay, so credit decisions are faster and more accurate.
Affordability and open finance
Allows borrowers to safely share their financial activity across institutions, with their consent, so lenders can assess affordability using real income and spending data.
Credit discovery and matching
Connects people to the right lenders for real needs like phones, vehicles, and equipment.
Hear from the teams using Black Swan to build and scale credit with confidence.
“Black Swan has strengthened how we design and scale digital credit at Selcom. Their expertise in credit-risk scoring, risk management and product delivery makes them a partner you can trust to execute.”
Farha Mohammed
Head of Products, Selcom
“With Manka, I can analyze files in minutes and gain a detailed understanding of statements with a level of accuracy and speed that was previously impossible.”
George
Credit Officer, K-Finance Limited
“With the speed and quality of processing customer financial data, we've been able to reduce the likelihood of issuing non-performing loans.”
Victoria
Credit Officer, Kimondo Financial Services
Ready to build smarter credit?
If you're a financial institution or platform looking to expand credit responsibly, we'd be glad to explore a partnership.