Sell on credit without guessing.
Your customers want to buy on credit. You want to sell more without chasing debt. We tell you who can take credit, how much, for how long, and on what terms. Your policy stays in charge.
The problem
- Your customers pay in cash, M-Pesa and bank. No single record shows what they really sell, so limits are set by feel.
- Credit sits in one system, orders in another. Your sales rep cannot see a customer's limit when taking the order.
- Good customers stay on cash. New buyers never get a chance, and the bank says no because the numbers are not in one place.
What we do
We take the records you already keep, your orders, invoices, ledger, and M-Pesa and bank statements, and with your customers' consent put them into one view of each customer. From that view you get:
| You need to know | We give you |
|---|---|
| Who should get credit | A score and a grade, A to E, for every customer |
| How much | A credit limit sized on what they really sell, cash included |
| For how long | A tenure that fits how they earn: daily, weekly, monthly, by school term or by harvest |
| On what terms | Due date, grace period, part payment and early-pay discount |
| When to change it | A monthly review, with early warning before a customer falls behind |
How it works
Tell us your rules. We write down your credit policy with you: how much you will carry, who qualifies, what tenures you allow.
Share what you have. Excel, ledger exports, order records. No new software needed to start.
Get decisions. Every customer gets a limit, tenure and terms inside your policy, with plain reasons.
Grow on evidence. Customers who pay on time move up. Customers who slip are caught early.
Why VALR Capital
Your policy wins. We can say less than your policy allows, never more.
Built for how Africa trades. We estimate cash sales, not just what shows up in the bank.
Repayment that fits the customer. A matatu earns daily. A school earns by term. Terms should follow.
Before, during and after. Checks on day one, monitoring every month, and restructuring and recovery plans when needed.
We do not lend. You fund the credit, or a licensed lender does. Our job is getting the decision right.
Who we work with
- Suppliers and distributors.Manufacturers, wholesalers, oil marketers, agro-input and pharma suppliers who sell on credit.
- Platforms.Ordering, fuel card, booking and collections platforms whose customers are asking for credit.
- Lenders.Banks, SACCOs, microfinance banks and licensed digital lenders who want to lend to businesses they can finally see.
Where we are in 2026
We are designing credit programmes with platforms in three markets: B2B ordering for manufacturers and retailers, fuel cards for fleets and matatus, and bus booking and payments. Each programme starts with a back-test on the partner's own history before any live decision. We also review loan books for lenders and SACCOs.
In one portfolio we analysed 101,000 records and found 83,631 distinct borrowers after duplicates were removed. Observed across deployments and pilots. Direction, not guarantees.
Find out what your credit book is telling you.
Send us your customer ledger. We will show you which customers can safely take more, which ones need watching, and where your policy has gaps. Free and confidential, with an agreement signed before you send anything.