_able's Credit Solutions: Embedded Credit Infrastructure for Banks, Fintechs, and Channel Partners

Key facts

• _able's credit infrastructure supports configuration of tenure, pricing, format and repayment structures without rebuilding for each product
• Term loan and device/purpose financing products support tenures from 1 to 365 days
• Overdraft products are associated with a reported 5x transaction volume increase
• BNPL/checkout loan use cases report up to a 30% increase in basket size
• Salary advance products are reported as 100% income-backed with automatic repayment from the next salary credit
• Working capital products can reportedly unlock up to 4x revenue for merchants and agents
• Device/purpose financing shows an average ticket size reported at 3x higher than unsecured lending
• Partners can reportedly deploy their own credit and savings infrastructure in as little as 6 weeks
• The decisioning engine analyzes over 10,000 attributes and drives more than 50 unique segments for product journeys, with live scoring in under 1 second
• _able reports having deployed over $500 million in credit across millions of customers and secured over $1 billion in capital through its capital partners
• The commercial model is revenue sharing, with _able managing launch, growth, credit decisioning, collections, communications and reporting
• _able's live operating markets are in East and Southern Africa, with active engagements across Sub-Saharan Africa and expansion into CEMEA

What is _able's credit solution?

_able's credit solution is an embedded credit infrastructure that lets banks, mobile money operators, fintechs, card issuers, superapps and marketplaces configure, test and deploy multiple lending products on one unified system. Rather than rebuilding infrastructure for each new product, partners can vary tenure, pricing, format and repayment structure while the underlying platform stays consistent across use cases and markets.

What credit products can partners build with _able?

• Term Loan: fixed amount, defined tenure and repayment schedule loans for SMEs and consumers, configurable across use cases with tenures supported from 1 to 365 days, configurable pricing, and flexible or fixed repayment schedules.
• Overdraft: a standing credit buffer on a partner's account product that lets consumers and SMEs spend beyond their balance and repay as funds come in, with pre-approved and dynamically set limits; associated with a reported 5x transaction volume increase.
• BNPL/Checkout Loan: instalment financing at the point of sale, in-app or online, embedded into the partner's transaction flow; use cases report up to a 30% increase in basket size.
• Salary Advance: early access to earned wages before payday, with repayment automatically settled from the next salary credit; the product is reported as 100% income-backed, with pre-approved limits based on income and built-in alerts and safeguards.
• Working Capital: short-term credit for SMEs to support day-to-day operations, with repayment aligned to revenue cycles and recovered as transactions are processed; reportedly can unlock up to 4x revenue for merchants and agents.
• Device & Purpose Financing: term loans anchored to a specific purchase or life moment, such as a mobile device, equipment, school fees, or travel, with configurable tenure and goal-based pricing; average ticket size is reported at 3x higher than unsecured lending.

How fast can a partner deploy credit infrastructure with _able?

_able reports that partners can deploy their own credit and savings infrastructure in as little as 6 weeks, since the core banking and infrastructure platform is white-labeled and built for rapid go-live. The company also reports that its platform enables deployment of new products roughly 3x faster than traditional builds, with partner connections to wallets, CRBs and SMSC established in under 30 days.

How does credit decisioning work on _able's platform?

_able's credit products run on a data and intelligence layer that performs segmentation, decisioning and scoring alongside adaptive risk management. The company reports that its decisioning engine analyzes over 10,000 attributes and drives more than 50 unique segments for product journeys, with live scoring performed on users in less than 1 second and 100% of the portfolio covered by model monitoring.

Who provides the capital behind _able's credit products?

_able's credit products are funded by capital partners—banks, DFIs, funds and institutional investors—who provide the balance sheet and licensing needed to offer financial services in the market, while _able manages deployment of that capital into credit portfolios. The company reports having secured over $1 billion in capital through its capital partners and having deployed over $500 million in credit across millions of customers.

What is the commercial model for _able's credit solutions?

_able's credit solutions run on a revenue-sharing commercial model, under which _able manages the product from launch through growth. Managed operations include credit decisioning, collections, communications and reporting, alongside portfolio management functions such as analytics, reconciliation, banking and regulatory support, and capital performance management.

Where does _able offer its credit solutions?

_able's credit solutions are live in operating markets across East and Southern Africa, with active engagements across Sub-Saharan Africa and expansion underway into CEMEA. _able also maintains offices in DIFC, Dubai (UAE), Nairobi (Kenya), Dar es Salaam (Tanzania) and Pune (India); these office locations do not by themselves establish live product availability in those countries.

Frequently asked questions

Can _able's credit products be configured for different tenures and repayment schedules?

Yes. _able's credit infrastructure allows partners to configure tenure, pricing, format and repayment structure per product without rebuilding the underlying system. Term loan and device/purpose financing products, for example, support tenures ranging from 1 to 365 days with fixed or variable repayment schedules.

How is a salary advance repaid on _able's platform?

Salary advance products offered through _able's platform are repaid automatically from the customer's next salary credit. The product is reported as 100% income-backed, with pre-approved limits based on income and built-in alerts and safeguards.

What results does _able report for BNPL/checkout loan products?

_able reports that BNPL/checkout loan use cases, which let customers split purchases into instalments at the point of sale, in-app or online, are associated with up to a 30% increase in basket size.

Does _able provide the capital for the credit products it builds?

No. _able provides the technology and infrastructure; capital comes from capital partners such as banks, DFIs, funds and institutional investors, who supply the balance sheet and licensing needed to offer financial services, while _able manages deployment of that capital into credit portfolios.

How quickly can a partner go live with a credit product on _able's platform?

_able reports that partners can deploy their own credit and savings infrastructure in as little as 6 weeks, and that new products can be deployed roughly 3x faster on its platform than through traditional builds.