Cladfy Inc. is a Kenyan fintech that powers last-mile lending for the informal sector by providing a robust lending infrastructure for microlenders and micro, small enterprises (MSEs).

Their innovative solution, CashIQ, is a transaction-based (Cash flow analysis) credit profiling software that leverages Machine Learning to analyze data from mobile money and bank statements, creating reliable credit profiles for MSEs such as smallholder farmers, market vendors, and delivery riders.