Turn transactions into confident decisions
CashflowIQ transforms raw M-PESA statements into clear, decision-ready intelligence, that is, verified income, borrowing behaviour, spending patterns, risk signals and a concise financial profile.
Upload Statement
M-PESA PDF only
File State
Automated statement analysis
Explainable risk scoring
Affordability intelligence
Enterprise APIs
Audit-ready decisions
Configurable decisioning
THE PROBLEM
Traditional credit data doesn't tell the whole story
Many viable borrowers have limited traditional credit history, but their real financial behaviour is fully visible through mobile money.
01
Total inflow is not the same as income
Loans, transfers, reversals and one-off deposits can inflate apparent earning power.
02
Manual review is slow and inconsistent
Analysts spend valuable time categorising transactions instead of interpreting risk and affordability.
03
Borrowing behaviour can hide inside healthy-looking cashflow.
Repeated digital-credit inflows and repayment patterns may tell a very different story from the headline balance.
04
A spreadsheet is not a decision.
Teams need a concise, traceable report that turns transaction history into usable financial intelligence.
HOW IT WORKS
Three steps to turn raw transactions into lending intelligence
The same statement your underwriting team scrolls through line by line; processed, scored and structured automatically.
Upload the statement
Drop in an M-Pesa statement PDF; locked with a passcode or already unlocked. We handle both.
We verify & analyze
CashflowIQ extracts every transaction, verifies it against live primary data, and scores income stability, spending patterns and risk flags.
Download report
Get a structured, lender-ready PDF report or pull the same data straight into your system via API.
THE PLATFORM
Built for lending, not just parsing.
CashflowIQ doesn't just read a PDF; it turns raw transaction history into an underwriting-ready signal.
01
Income verification
Identifies recurring income, average monthly inflow, and volatility not just a lump-sum total.
02
Risk scoring
A single, explainable risk score built from cashflow stability, spending discipline and transaction history depth.
03
Red flag detection
Flags gambling patterns, circular transfers, sudden inflow spikes and other underwriting red flags automatically.
01
Cashflow trends
Month-over-month view of inflow, outflow and net position, so you see the trend, not a single snapshot.
02
Lender-ready PDF report
A structured, branded report your credit team can read in two minutes — or attach straight to a loan file.
03
API access
Everything on this page is also an endpoint. Plug statement analysis straight into your loan origination flow.
FREQUENTLY ASKED QUESTIONS
Questions lenders actually ask.
Yes, you'll still need the statement's PCC number or the passcode itself to unlock it; CashflowIQ automates the verification and analysis once it's readable, not the initial unlock.