AI-Powered Credit Assessment

Spincrunch

Transform financial statements into actionable credit insights within minutes. Process M-Pesa, bank, Till & Paybills and scanned statements with industry-leading accuracy and fraud detection.

AI Credit Intelligence Dashboard
30M+
Statements Processed
Overtime
<1 min
Credit Assessment
Real-time
99.9%
Accuracy Rate
Verified
24/7
API Availability
Uptime
Simple 3-Step Process

How It Works

From statement collection to comprehensive credit report in minutes

1
M-PesaKCBEquityCo-operativeNCBAAbsaStanbicStandard CharteredDTB

Request Statement

Get an e-statement from your borrower. Ask them to request their financial statement from their Bank or Mobile Money Provider and forward it to you without renaming it.

Avoid fraudsters using fake or forged statements to get loans from you!

2
send_statement.py
import requests
from pathlib import Path

# Spincrunch API Configuration

Send Statement

Forward the statement to Spincrunch System to begin processing. Choose your preferred method:

Email
Forward statements directly via email
Dashboard Upload
Upload directly to our web dashboard
API Integration
Connect directly to your lending system
3
Spin Report Dashboard

Get Spin Report

Receive your comprehensive Spin Report with actionable credit insights. Access it your way:

Spin Dashboard
Log in to the Spin Crunch dashboard and see the holistic Spin Report.
API
Let Spincrunch automatically push the Spin Report directly to your Core Banking System
Comprehensive Analysis

Powerful Features

Everything you need for accurate, fast, and fraud-proof credit assessment

Mobile Money Processing

Analyze M-Pesa/Airtel Money transaction history to understand cash flow patterns and payment behavior.

  • Extract transaction history and patterns
  • Identify income sources and payment behavior
  • Track money transfer patterns

Tills and Paybills Analysis

Deep analysis of Till and Paybill transactions to understand business and payment patterns.

  • Track all Paybill and Till number transactions
  • Identify recurring payments and subscriptions
  • Analyze merchant payment patterns

Bank Statement Analysis

Process bank statements from all major banks and generate comprehensive financial profiles.

  • Support for all major banks
  • Automatic transaction categorization
  • Income and expense tracking

Scanned Document Processing

Extract data from scanned statements using advanced OCR technology with fraud detection.

  • Advanced OCR for scanned documents
  • Automatic data extraction
  • Quality verification

Merged Analysis

Combine multiple statements for a comprehensive view of financial behavior across accounts.

  • Merge M-Pesa and bank statements
  • Cross-reference transactions
  • Unified financial profile

Fraud Detection

Automatically detect modified documents, inconsistencies, and fraudulent patterns.

  • Document modification detection
  • Inconsistent pattern identification
  • Suspicious transaction flagging

Credit Decisioning

Generate accurate credit decision based on transaction history, income patterns, and behavior.

  • AI-powered credit decisioning
  • Income stability analysis
  • Repayment behavior tracking

Behavioral Insights

Understand customer lifestyle through spending classifications and patterns.

  • Spending category breakdown
  • Lifestyle pattern analysis
  • Betting and gambling detection