Cladfy — Loan Status & Cashflow Scoring Guide
A lender's guide to interpreting loan statuses and cashflow scores in Cladfy reports.
1. Loan Status
Each lender relationship is assigned a loan status based on transaction analysis.
| Status | Meaning |
|---|---|
| 🟢 Fully Paid | Loan appears fully repaid. No outstanding obligation. |
| 🟢 Multiple Loans Possible | The loan appears over-repaid. This may occur due to interest, fees, charges, or an additional loan taken after the first was repaid. No confirmed outstanding obligation. |
| 🔵 Likely Settled | Most of the loan was repaid, and there has been no recent activity. The loan was likely discounted, written off, or settled. |
| 🟡 Active Loan | There is recent activity and an outstanding balance. This represents a current credit obligation. |
| ⚪ Limited Data | Loan activity exists, but repayment or disbursement information is incomplete. |
How to Interpret
Active Loan → Treat as current debt.
Likely Settled / Fully Paid / Multiple Loans Possible → Do not treat as active credit unless further evidence suggests otherwise.
- The duration used to classify a loan as "Likely Settled" is 90 days of inactivity. Specifically, the criteria are: The borrower has repaid ≥ 70% of the borrowed amount, and there has been no activity with that lender for the last 90 days.
Limited Data → Ask the borrower for clarification.
Important: If the report only shows repayments but no loan disbursement, the client may be repaying a loan on behalf of someone else, or the loan may have been taken outside the statement period. In such cases, request additional information from the borrower.
2. Cashflow Score
The Cashflow Score estimates a borrower's credit risk using transaction behaviour from bank or mobile money statements.
The score reflects patterns such as:
Income stability
Spending behaviour
Credit usage
Cashflow consistency
Financial discipline signals
The score does not rely on credit bureau data and is calculated solely from the statement provided.
3. Risk Levels
| Score Range | Risk Level |
|---|---|
| 780–850 | Very Low Risk |
| 680–779 | Low Risk |
| 560–679 | Moderate Risk |
| 400–559 | High Risk |
| 300–399 | Very High Risk |
Higher scores indicate stronger financial behaviour and lower default risk.
4. How Lenders Should Use the Score
Recommended review flow:
Check the risk tier for overall borrower risk.
Review Active Loans to understand current obligations.
Ignore Fully Paid, Likely Settled, or Multiple Loans Possible statuses when calculating debt burden.
Review highlighted factors to understand key strengths or risks in the borrower profile.
The score should support credit decisions, not replace lender judgment.
5. Important Notes
The score reflects only the uploaded statement period.
Results may change when new transactions are analysed.
If income or repayments occur in another account not included in the statement, they may not appear in the analysis.
