Cladfy — Loan Status & Cashflow Scoring Guide

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.

Cladfy — Loan Status & Cashflow Scoring Guide

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Cashflow Score by Cladfy Inc.

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1. Loan Status

How to Interpret

2. Cashflow Score

3. Risk Levels

4. How Lenders Should Use the Score

5. Important Notes

Command Palette

Comments

Cash Flow Underwriting

Cashflow Score by Cladfy Inc.

More from this blog

1. Loan Status

How to Interpret

2. Cashflow Score

3. Risk Levels

4. How Lenders Should Use the Score

5. Important Notes