Investor Presentation

The financial identity
infrastructure layer
for African business.

Creditlinker is building the trust layer that every lender, fintech, supplier, insurer, and government agency needs to understand African businesses at scale, in real time, from real data.

Confidential
2026 giwamicheal@creditlinker.com.ng
01 / 16
Creditlinker
The Problem

Millions of businesses
are thriving. Most
can't prove it.

"Six years in business. Consistent revenue. Never missed a payment. Turned away by every lender. Not because her business is struggling. Because no one can see that it is not."
01

Most SMEs have no financial track record a lender can actually look at. Years of real transactions, and nothing to show for it.

02

A business's financial story lives across five different platforms and nobody has stitched it together. There is no single picture of how a business actually performs.

03

Underwriting is still done by hand. It is slow, expensive, and makes small-ticket lending a losing proposition for most lenders before they even begin.

04

The businesses getting funded are not always the strongest ones. They are simply the ones that look right on paper. Performance is losing to presentation.

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Creditlinker
Market Opportunity

The gap is massive.
And the timing
has never been better.

41M+
Underserved SMEs
across Africa
$330B
Annual SME
financing gap
<8%
of SMEs with any
verifiable financial identity
Why Nigeria First

Nigeria has over 39 million SMEs driving nearly half the country's GDP. Formal credit reaches fewer than 5% of them. The infrastructure to change that simply does not exist yet. That is where Creditlinker starts.

The Data Already Exists

Nigerian businesses are transacting every day across banks, wallets, and payment platforms. That data is rich, real, and almost entirely ignored by lenders. Creditlinker connects it, structures it, and makes it speak.

03 / 16
Creditlinker
Solution

The financial identity
African businesses
have always deserved.

Creditlinker pulls together a business's activity across banking, payments, invoicing, and accounting into one verified profile. Lenders can see the full picture. Businesses get access to capital based on what they have actually built, not just what they can document.

🪪
Structured Financial Identity
One verified profile that brings all of a business's financial activity together into something institutions can actually act on.
📊
Risk Scoring
A proprietary score built from real transaction history. Revenue stability, cashflow, expense discipline, liquidity strength. Not guesswork.
🔄
Real-Time Monitoring
Profiles stay current. Lenders see how a business is performing right now, not how it looked six months ago when the application was submitted.
Verification Intelligence
Document, identity, and data cross-checks confirm every business is exactly who they say they are. Nothing slips through unverified.
📋
Lender-Ready Profiles
Structured output that fits straight into institutional underwriting workflows. What used to take weeks can now take hours.
🔌
API-Based Data Access
Fintechs and institutions plug financial identity and verification data directly into their own products. Clean, documented, ready to build on.
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Creditlinker
The Infrastructure Vision

Financial identity
becomes the foundation
of African commerce.

Every modern economy runs on trusted identity. People have national IDs, credit bureaus, credit scores. African businesses have none of these at scale. Creditlinker creates the missing layer the infrastructure that lets institutions trust businesses without knowing them personally.

Today Businesses apply for loans
Banks Manually assess each applicant from scratch, with no shared data layer
Suppliers Extend credit on gut instinct or personal relationship alone
Fintechs Build redundant data pipelines independently, duplicating cost and effort
Governments Lack structured data on SME health for policy or support programmes
Tomorrow Institutions query Creditlinker IDs
Banks Query Creditlinker IDs for instant, verified risk profiles before lending
Suppliers Check Creditlinker IDs before extending trade credit to new counterparties
Fintechs Build on Creditlinker's API financial identity out of the box, from day one
Governments Verify Creditlinker IDs for procurement, inclusion programmes, and policy
05 / 16
Creditlinker
Network Effects

Every business that
joins makes the
platform stronger.

This is not just a product. It is a compounding system. The network effect is the core strategic asset and it makes Creditlinker harder to displace with every passing month.

01
More Businesses Join
Each new business adds verified financial identity data to the network, expanding the dataset.
02
More Structured Financial Data
Revenue patterns, payment behaviours, cash flow signals all mapped across an increasingly diverse business ecosystem.
03
Better Risk Models
More data means sharper scoring, fewer defaults, and underwriting accuracy that improves continuously without manual intervention.
04
Stronger Institutional Adoption
Lenders, fintechs, and partners see higher value in the platform and integrate more deeply into their workflows.
05
More Businesses Join
The cycle accelerates. Each rotation of the flywheel makes the next one faster and more powerful.
The Result
Compounding
Value that grows non-linearly not just as a function of users, but of the relationships between them.
The Moat
Data
A proprietary, structured, ever-growing dataset on African SME financial behaviour that no competitor can replicate from scratch.
Investor Implication
Infrastructure
Without this slide, investors see a lender. With it, they see a platform that becomes harder to displace the bigger it grows.
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Creditlinker
Proprietary Data Advantage

A compounding moat
no competitor can
replicate from scratch.

Creditlinker is building one of Africa's largest structured datasets on real SME financial behaviour. Unlike traditional credit bureaus, our models learn from the full texture of a business's financial life not just whether a loan was repaid.

What We Capture
Five dimensions traditional bureaus miss entirely
Every business on Creditlinker contributes structured signals across dimensions that existing credit infrastructure has never measured at scale in Africa.
Revenue Consistency Cash Flow Volatility Expense Discipline Payment Behaviour Growth Patterns
How It Compounds
Every transaction improves future underwriting
The dataset does not sit static. Each new transaction sharpens the model. Each new business adds context to industry benchmarks. The accuracy gap between Creditlinker and any new entrant widens continuously over time.
The Competitive Reality
This dataset cannot be bought or built overnight
A competitor entering tomorrow would start with zero historical data, zero behavioural baselines, and zero institutional trust. The window to build what Creditlinker is building is closing. First mover advantage here is structural, not tactical.
What VCs Call This
A compounding data moat
This is the same fundamental defensibility seen in the world's most valuable data platforms. The asset that compounds and becomes increasingly difficult to replicate not a feature, but the business itself.
The dataset grows more valuable with every business that joins and more difficult to replicate with every month that passes.
Compounding Moat
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Creditlinker
Competitive Position

Why banks cannot
build this.
Why Creditlinker wins.

Investors ask: why won't an established institution simply replicate this? The answer is structural not a matter of resources or ambition, but of fundamental data access.

Banks
See only their own customers
A bank's view of a business is limited to what flows through that bank's own accounts. Creditlinker aggregates across all of them, creating a complete picture no single bank could ever assemble.
Fintechs
See only their own transactions
Payment fintechs have rich data but only for the transactions they process. Creditlinker stitches together every financial channel into a single verified identity that no single fintech can match.
Accounting Software
See only what is entered manually
Bookkeeping data is static, self-reported, and unverified. Creditlinker draws from live transactional sources that cannot be manipulated, creating a layer of verified truth that accounting tools simply cannot provide.
Credit Bureaus
Capture history, not real-time health
Traditional bureaus record what has already happened. Creditlinker provides a living, updating financial identity a real-time view of business health that legacy bureau infrastructure was never designed to deliver.
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Creditlinker
How It Works

From bank transactions
to a verified identity
in four steps.

01
Connect your accounts
A business connects its bank accounts and other financial data sources to Creditlinker, enabling us to build a trusted financial identity from its real business activity. The business remains in full control of its data at all times access is permission-based and can be revoked at any point outside of active financing agreements.
Business Portal
02
We read the real story
Creditlinker's engine works through real transaction history: how revenue flows in, how obligations are met, how expenses are managed, how cash behaves under pressure. All of it becomes structured, scored data.
Identity Engine
03
Receive a verified Creditlinker ID
The business gets a verified financial identity: a score, a full dimensional breakdown, and a profile it can share directly with lenders, trade partners, or any institution that needs to know it is credible.
Verification Intelligence
04
The identity grows with the business
Every month of operation adds more verified data. The profile gets richer, more trusted, and more valuable over time. A financial history the business builds, owns, and controls.
Continuous Monitoring
09 / 16
Creditlinker
Go-To-Market

A phased adoption
path that expands the
network at every layer.

How do the first 10,000 businesses arrive and how does that become 1,000,000? Each phase unlocks the next, compounding network density across every channel.

Phase 01 · Now
Direct SME Acquisition
Entry Point
SMEs seeking loans and capital access
Businesses wanting to build verifiable financial identity
Founders looking to professionalise financial reporting
Phase 02
Institutional Distribution
Scale Multiplier
Commercial and digital banks
Microfinance institutions
Digital lenders and credit platforms
Phase 03
Platform Partnerships
Ecosystem Integration
Accounting software providers
POS networks and payment processors
Payroll and HR platforms
Phase 04
Infrastructure Layer
Systemic Adoption
Government procurement systems
Trade and export ecosystems
Investor and PE due diligence
← Active Now
12–18 months
18–36 months
36+ months
10 / 16
Creditlinker
Product

Three portals today.
An expanding suite
powered by identity.

Core Infrastructure Live
Business Portal
Where businesses connect their accounts, build their identity profile, and put it in front of capital providers who are ready to evaluate it.
Financer Portal
Where lenders access verified profiles, run underwriting checks, and manage their entire lending pipeline from one place.
Developer Portal
Where fintechs plug Creditlinker's financial data and verification tools directly into the products they are building.
Future Products Powered by Financial Identity
The identity layer enables an expanding family of financial products. Each one is an application of the infrastructure not the company itself.
⚡ Pulse Card Embedded Credit Supplier Finance Revenue-Based Financing Working Capital Trade Credit
Spotlight: Creditlinker Pulse Card
A business card where the spending limit is tied directly to live financial identity data. Performance drives access. No manual reviews. No arbitrary caps.
Creditlinker
PULSE
⚡ Live Limit
₦2,400,000
11 / 16
Creditlinker
Stakeholders

Everyone in the credit
ecosystem wins when
trust is verifiable.

🏪
Businesses
  • A verified identity that shows what the business has actually built
  • Access to lenders and partners who can evaluate real performance data
  • A profile that grows more valuable with every month of operation
🏦
Lenders and Banks
  • Verified, structured profiles ready to go straight into underwriting
  • Automated risk signals that cut the cost of manual assessment
  • Live portfolio monitoring so nothing surprises them after disbursement
Fintechs
  • API access to financial identity and verification tools out of the box
  • Ready-made infrastructure for credit, payments, and identity products
  • No need to build expensive data pipelines from scratch
🏛️
Governments and Institutions
  • Sector-level visibility into how SMEs are actually performing
  • Data infrastructure that supports financial inclusion programs
  • Verifiable records that hold up against regulatory requirements
🤝
Trade Partners
  • Verified counterparty profiles before extending credit terms
  • Payment track record backed by real transaction history
  • Faster, cheaper due diligence on every new supplier relationship
"One infrastructure layer. Every participant in the credit ecosystem. Everyone benefits."
12 / 16
Creditlinker
Momentum

We have not been
waiting. We have
been building.

Progress
  • Platform Core identity engine, scoring model, and business portal are built and live.
  • Product Financer portal and developer API in active development. Pulse Card engine fully architected.
  • Ecosystem Compatibility mapped across major Nigerian commercial banks, digital banks, and payment platforms.
  • Team Founding team with deep expertise across financial infrastructure, data systems, and African markets.
Why Now
  • Open Banking Momentum
    CBN policy shifts and expanding API standards across Nigerian banks are creating exactly the technical foundation Creditlinker is building on. The window is open right now.
  • Digital-First SME Adoption
    Nigerian businesses have moved online. Rich financial data is being generated every day at scale. It sits unstructured and unused. Creditlinker is the infrastructure that finally makes it count.
  • Lender Demand for Better Data
    Microfinance institutions and digital lenders are actively looking for underwriting infrastructure that cuts cost and improves accuracy. The demand is real. The supply does not exist yet.
13 / 16
Creditlinker
The Venture Thesis

Why this becomes
a billion-dollar
company.

Creditlinker is not underwriting loans
Creditlinker is not a lender
Creditlinker is not a credit bureau
What Creditlinker Actually Is
Creditlinker is building the financial identity infrastructure that institutions use to understand African businesses and the company that becomes the default source of that identity becomes critical infrastructure for the African economy.
Every lender, fintech, supplier, insurer, investor, and government agency needs trusted business financial identity. The market for that infrastructure is not measured in loan volumes it is measured in the total value of transactions, contracts, credit decisions, and capital flows that depend on it. That is the venture-scale outcome Creditlinker is positioned to capture.
14 / 16
Creditlinker
Business Model

Four ways to earn.
One network that
makes all of them stronger.

Revenue Stream 01
Business Subscriptions
Businesses pay a monthly or annual fee to maintain their Creditlinker ID, access their identity dashboard, and share their profile with capital providers across the network.
Revenue Stream 02
Institutional API Access
Lenders, fintechs, and institutions pay for access to financial identity data, verification checks, and risk signals. Priced per call or under enterprise licence.
Revenue Stream 03
Pulse Card Interchange
The Creditlinker Pulse Card earns interchange on every transaction. Unit economics improve as more creditworthy businesses join the platform and spend through it.
Revenue Stream 04
Marketplace and Referral
Creditlinker connects verified businesses directly to matched capital providers, earning referral fees and commissions when financing successfully goes through.
15 / 16
The Future
Today
Creditlinker scores businesses.
We build verified financial identities from real transactional data, enabling lenders to make faster, smarter decisions on African SMEs.
Tomorrow
Institutions trust Creditlinker IDs.
Banks query Creditlinker before lending. Suppliers check it before extending terms. Fintechs build on it. Governments verify against it. The ID becomes a prerequisite for access.
Eventually
Financial identity is the trust layer for African commerce.
Creditlinker becomes the default source of business financial identity across Africa the infrastructure that capital, suppliers, insurers, investors, and governments rely on to understand and trust businesses at scale.
"We are building the trust infrastructure that powers business finance across Africa. The company that becomes the default source of financial identity becomes critical to the African economy."
Contact
giwamicheal@creditlinker.com.ng
Platform
creditlinker.com.ng
Classification
Confidential. For authorised recipients only.
Year
2026
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