For micro-lenders, debt counsellors, and credit providers in South Africa
Affordability assessments by hand take 30 minutes. Affy does them in 30 seconds.
Upload a bank statement. Affy extracts every transaction, checks the document for tampering, categorises income and expenses, calculates affordability, flags risk signals, and recommends the best collection day. You get a decision pack. Your analyst makes the call.
Your analysts already review bank statements. It takes 30 minutes per affordability.
Manual, every time
Qualified analyst time spent reading, categorising, and calculating by hand. Per file. Every applicant.
No standardised output
Two analysts, same statement, different conclusions. No way to reproduce the result.
Nothing to point to
If the decision is disputed, there's nothing structured or reproducible to point to.
Bank statement in. Decision pack out.
Upload three months of bank statements. Affy processes them and gives the agent a complete decision pack to make the call.
Bank Statement Extraction
Every transaction pulled from the PDF. Date, amount, balance, counterparty, and category. Six SA banks supported, scanned or digital.
Affordability Assessment
Income and expenses categorised to NCA Reg 23A requirements. Disposable income calculated from what the account shows, not what the applicant declares.
Tampering Checks
Document integrity checks across metadata, font consistency, layout anomalies, and sequence gaps. Flags findings for the human. Never auto-declines.
Collection Date Forecast
Identifies salary deposit patterns to recommend the best debit order date. Based on 3 months of balance decay and pull timing.
Behavioural Credit Score
300 to 850 score from transaction patterns. Income stability, cash buffer, discipline, and red flags. Plain-English reason codes.
Watch It Work
2-minute demo: statements uploaded, decision pack out. See extraction, scoring, affordability, and collectability screens.
Dive deeper by booking a demo.
Line-by-line. Every transaction. Fully categorised.
Download sample output from a real Affy affordability extraction. Every transaction is there: date, description, amount, balance, category, confidence score, and counterparty.
Collect on the right day.
Affordability says they can pay. The collection forecast says when the money is actually there.
Affordability confirms they can pay. The forecast confirms the money will be there on the day you collect.
Every bounced debit costs: re-presentation fees, broken arrangements, provisioning. Collecting on the right day reduces all three.
Built for a regulated lending book.
Transparent, auditable, and yours to integrate.
⚡ API
- REST API with async webhooks
- Fire-and-forget: POST statements, get job ID, receive result via callback
- Batch processing: overnight cron, morning review queue
- n8n, Zapier, or direct HTTP integration
- JSON response with full decision pack
🖥 Portal
- Web dashboard for manual upload and review
- Operator uploads statements, views pipeline progress
- Score card, reason codes, affordability output, tamper advisory
- Export to JSON, CSV, PDF, or Excel
What it costs
Prepaid credits. No contracts. From R10 per assessment.
Pre-screen before bureau. Run affordability from the bank statement before the bureau pull. Applicants who clearly fail affordability never reach the bureau, saving the cost of every call that would have been declined anyway.
Free credits for your first proof of concept.
Run it on your own statements.
Book a 15-minute demo. Bring 3 months of bank statements. We run them live and walk you through the full decision pack.