KredFlow IQ: the loan automation system built for Nigeria, from origination to collections.

KredFlow IQ is a digital lending platform for banks, microfinance banks and fintech lenders. It combines a deterministic policy engine with AI credit decisioning, so you approve good borrowers faster and keep every decision explainable. Deploy it as multi-tenant SaaS, on a dedicated cloud, or on-prem.

From BVN verification to disbursement, repayment and collections, KredFlow IQ automates every step a CBN-licensed lender needs, with an immutable audit trail and consent flows aligned to the Nigeria Data Protection Act (NDPA).

Solutions – every stage of the loan lifecycle
How we deploy – from data to full automation
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KredFlow IQ by Oceangrsmith Technologies Limited, Lagos, Nigeria. JavaScript is required to use the application; please enable it in your browser to continue.