Turn crumpled receipts
into bankable credit.
Alkimify transforms informal financial data — photos, voice notes, mobile money logs — into structured credit intelligence for Africa's unbanked SMEs.
Receipts processed
50,000+
Avg. processing time
<30s
Building with leading financial institutions
96% of Cameroon's SMEs can't access formal credit.
Not because they aren't creditworthy — because the system can't read their data. Handwritten notebooks. Crumpled receipts. Voice memos in Pidgin. The financial lives of millions are invisible to traditional lending infrastructure.
of Cameroon's SMEs operate informally with no formal financial records
unserved SME credit gap across Africa
of loan applications rejected due to lack of documentation
The reality today
The data exists — in notebooks, receipts, and mobile money logs. The system just can't read it yet.
Three pillars. One platform.
End-to-end infrastructure for data-driven lending in informal economies.
From chaos to clarity.
Our AI pipeline transforms photos of receipts, voice notes in Pidgin & French, and MoMo transaction logs into OHADA-compliant financial statements.
- Transformer-based computer vision
- WhatsApp-first interface
- Multi-language support (French, Pidgin, English)
- OHADA-compliant output
Built for every stakeholder.
Whether you're a lender looking to expand, an SME seeking credit, or an investor backing infrastructure — Alkimify serves your needs.
Expand your SME lending portfolio.
Access structured credit data for informal-sector SMEs that were previously invisible to your underwriting models. Reduce default rates while growing your portfolio.
- ▶Pre-scored loan applications via API
- ▶OHADA-compliant financial statements
- ▶Real-time portfolio monitoring
- ▶White-label integration
Get credit using the data you already have.
No more carrying bags of receipts to the bank. Simply send photos of your business records via WhatsApp and build your credit profile automatically.
- ▶WhatsApp-first — no app download
- ▶Works in French, Pidgin & English
- ▶Build your Afri-Score over time
- ▶Access loans via MTN MoMo & Orange Money
Back the credit infrastructure of Africa.
Alkimify is building the foundational data layer that will power lending across the continent. A $14B credit gap represents a generational investment opportunity.
- ▶Platform-level infrastructure play
- ▶Network effects across the ecosystem
- ▶Expanding from Cameroon across Africa
- ▶Impact-aligned returns
How Alkimify works
From WhatsApp message to bank account — in four simple steps.
Capture
SME sends photos of receipts and notebooks via WhatsApp. No app download needed.
Refine
AI transforms chaotic inputs into structured, OHADA-compliant financial statements.
Score
Afri-Score engine generates a credit assessment using alternative data signals.
Disburse
Credit decision made. Loan sent instantly to the SME via MTN MoMo or Orange Money.
📷 receipt_shop.jpg
🎤 "J'ai vendu 50 sacs..."
📱 MoMo: +250,000 XAF
Afri-Score
72
▲ Good standing
✓ Approved
500,000 XAF
Sent via MTN MoMo
12-month term • 8.5% APR
Whoever digitizes the cahier owns the credit rails.
Africa represents a $14 billion unserved SME credit gap across dozens of countries and hundreds of millions of people. We're building the infrastructure to serve it — shifting the market from collateral-based lending to data-based lending.
Countries addressable
Population in target region
Unserved credit gap
Informal economy share
Alkimify
Transforming African credit
Mission
Make invisible economies visible to formal credit systems
Founded
Building from Cameroon for all of Africa
Credit gap being addressed
$14B
Vast opportunity ahead — we're just getting started
We're building the credit
rails of Africa.
Alkimify was born from a simple observation: millions of African SMEs are creditworthy, but the formal financial system can't read their data. We're changing that by transforming the informal financial footprints that already exist into structured credit intelligence.
Africa-first
Built from the ground up for African markets, languages, and regulatory frameworks.
Inclusive by design
We believe every SME deserves access to credit, regardless of formal documentation.
Trust through transparency
Our Afri-Score is explainable — both lenders and borrowers understand the decision.
“Alkimify allowed us to evaluate loan applications we would have rejected outright. We expanded our SME portfolio by 40% with lower default rates.”
Jean-Pierre Nkoulou
Head of SME Lending, Partner Microfinance Institution
Ready to unlock credit
for millions?
Join the institutions building the future of lending in Africa. Be part of the infrastructure that makes invisible economies visible.