For lenders and their officers

Send us your borrowers. Get back finished files.

A borrower who comes to LitFin is guided until their application is complete: every field answered, every document collected and reconciled, every gap closed. Your officers receive that file, and the tool that helps them appraise it, at no cost to your institution.

You verify. You interview. You visit. You decide.

Talk to us about onboarding What your officers get

What arrives with a forwarded application

The structure of the pack, not a real borrower

The complete application pack
Every field, every answer and every attachment the product and your policy require
The business plan
A full section set, written from the borrower's own material rather than from generic prose
Three articulated financial statements
Profit and loss, balance sheet and cash flow that tie, with the lending ratios already computed
Documents, read and reconciled
Extracted, cross-checked against each other, and any contradiction raised before the file is sent
KYC and KYB material, captured and structured
Collected and organised for your verification, which stays yours
The gap-closure history
What was missing, what was asked for, and what the borrower produced
The conversation that produced the file
The turns between the borrower and Mr. Mwikila, so your officer does not open a file they know nothing about

English and Swahili on every surface, with no mixed pages
Written for Tanzanian lending practice and aligned with Tanzania's data protection law
Row-level isolation per lender, and a database of our own that no other product we run can reach
Every forwarded application is signed, delivered once, and logged

The trade, stated plainly

Your borrowers come here to get ready. Your officers get the mind that appraises them.

What you send

Borrowers who are not ready yet, and the ones you would otherwise decline for a single missing document. They get ready here instead of in your queue.

What your officers get

LitFin Intelligence, the appraisal tool, for every application your borrowers forward to you through LitFin. A senior mind beside the officer on the case in front of them, so the questions that matter get asked while there is still time to answer them.

Who pays for what

The borrower pays a small amount to prepare their own application. Receiving it and appraising it costs your officers nothing. Your products and services sit in the marketplace where borrowers meet them.

The part nobody else can send you

The file arrives carrying the conversation that produced it.

Mr. Mwikila coaches the borrower here, and is the same Mr. Mwikila your officer works with in the appraisal tool. One mind, two vantage points. So when the application reaches your officer, the session has already lived the preparation: what was asked, what the borrower struggled with, what they revised and why, and what evidence they produced when challenged.

Your officer can ask that session about this borrower and get an answer that traces back to a real turn or a real document. That includes a reading on character, the hardest thing to judge from a folder, evidenced here by the record of how the borrower actually engaged over weeks rather than by an impression formed in one meeting.

Evidence, analysed during preparation

Where it would strengthen or test the file, the borrower is asked for photographs or a short video of the site, the yard, the stock or the equipment. The analysis travels with the application, so your officer sees the corroboration, or the mismatch, before they set out.

This informs the interview and the site visit. It never replaces them.

Why the time is saved

Each link earns the next.

1
The file arrives complete, because the gap loop ran until there were none left to close.
2
So the officer's review takes a fraction of the time, even on a complex, high-value project, because nothing is missing and the holes are already surfaced.
3
So fewer items are left to cover toward a decision, and the ones that remain are the ones that need a person.
4
So there is time for what only a human can do: the interview, the site visit, the judgement, the relationship.
5
So the judgement gets better, not merely faster, because material risks were worked through during preparation instead of discovered at the desk.
6
So the book performs, because the borrower understands their own business rather than having been walked through a form.

We do not replace the officer. We delete the part of their job that was never judgement. Chasing documents and checking completeness is administration, not credit skill. We take the administration; they keep, and get more of, the judgement.

We do not claim appraisals in minutes. Your officer renders the appraisal; we prepare it. The officer's review is faster because the pack is complete and the holes are already surfaced.

Three people, three different problems

An organization evaluating us is at least three people. Here is each one's answer.

For the institution

Better-formed applications, and a channel you did not have.

Fewer declines for a missing document. Less officer time per file. Borrowers who found your products in the marketplace rather than the other way round.

For your officers

A mind beside them on every case.

The appraisal tool works the case alongside them, and the file arrives gap-closed and carrying its own preparation history. Not a folder they have to reconstruct.

For your borrowers

They arrive prepared, and they understand their own business.

Which is better for them and better for your book. Teaching is the method here; being lendable is the outcome.

The line we do not cross

We complete every digital inch. The rest is yours, and it stays yours.

LitFin completes

The full application pack, every field and every attachment
The business plan, the financial statements, the projections and the ratios
Document collection, extraction, borrower review and cross-document reconciliation
KYC and KYB data capture and document collection
The gap loop, until there are no open gaps left to close

Your officer does

KYC and AML verification, and the compliance decision, against your own sources
The live interview
The site visit
The appraisal judgement and the approval

We collect and structure. We never assert that a borrower has been verified, cleared or screened, and we never imply that your obligation has been discharged. The credit decision belongs to the lender, always.

Who this is for

One person lending, or an institution with branches.

The offer is the same whether you write your own facilities alone or run officers across several regions: banks, microfinance institutions, SACCOs, cooperatives that lend to their members, digital lenders, and community lending groups. What changes is how many officers you add.

How an application reaches your officer

Each of your officers holds a handoff code. A borrower who wants to apply to you enters it, and the finished pack is delivered to that officer once, signed and logged.
Codes are yours to rotate and revoke. A standing code can be handed to many borrowers; a single-use invite burns on redemption.
The borrower is told that you received their application. They are never told which officer holds it, because that is your internal business.

What your credit and risk teams will ask

Does the AI make the credit decision?: No. It prepares the application and helps your officer think it through. The appraisal judgement and the approval are your officer's, and the credit decision belongs to the lender.
Do you verify KYC or run AML screening for us?: No. We collect and structure the identity, registration and address material your officer will need. Verification is done by your institution against your own sources, and the obligation stays with you.
What does this cost our officers?: Nothing, for the applications your borrowers forward to you through LitFin. The borrower pays for their own preparation.
Which languages does a borrower work in?: English and Swahili, and every surface renders wholly in one of them. A borrower who switches language changes the whole page, never part of it.
Where does our data live?: In a database of our own, separate from every other product we run and unreachable from any of them. Within it, every lender's records are isolated by row-level access control bound to your organization. Documents cross between products as a signed request, never as shared storage access.
Can we see how a conclusion was reached?: Yes. Every claim the file makes about a borrower traces to a turn in the conversation, a document that was read, or a figure that was computed, and every figure is marked as read from a document, derived from other figures, stated by the borrower, or taken from an industry standard or your own requirement and labelled as such.

Send your borrowers here.

One conversation to onboard your organization, add your officers, and put your products in front of borrowers who are getting ready right now.

Talk to us about onboarding

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