AI-powered credit decisioning

Score smarter.
Lend faster.

SenteScore gives lenders the power to define dynamic credit parameters, build automated workflows, and manage every application — in one intelligent platform.

Start free — no card requiredSee how it works
2M+
Applications processed
98.4%
Decision accuracy
<0.8s
Avg. scoring time
150+
Lenders trust us
Platform capabilities

Everything built for smarter lending

From parameter setup to final disbursement, SenteScore handles the complete credit lifecycle.

Fully customizable

Dynamic Score Parameters

Define any combination of scoring parameters — income, behavior, psychometrics, transaction history. No rigid templates. Your model, your rules.

Drag & drop

Visual Workflow Builder

Design multi-step decision workflows with conditional branching, automated approvals, manual review queues, and real-time notifications.

One dashboard

Unified Application Hub

All applications from all workflows in one place. Filter, sort, search, bulk-act, and export with complete audit trails for every decision.

Open ecosystem

Integrations & REST API

Connect to credit bureaus, bank statements, KYC providers, payroll APIs. Build with our REST API or use pre-built connectors.

Live insights

Real-time Analytics

Track approval rates, portfolio performance, model accuracy, and workflow bottlenecks with live dashboards and scheduled reports.

Enterprise-grade

Compliance & Audit Ready

Every scoring decision is explainable, logged, and traceable. Built-in fair lending checks, audit logs, and data residency controls.

How it works

Up and running in under a day

01

Define scoring parameters

Create custom parameters from any data source — financial history, behavioral signals, alternative data. Set weights, thresholds, and scoring bands that reflect your lending philosophy.

02

Build your decision workflow

Map the full loan lifecycle — from submission, through scoring, manual review, approval, and disbursement — with conditional routing at every decision point.

03

Process all applications

Embed application forms on your site, connect via REST API, or import in bulk. Applications are automatically routed through your workflows and scored in real time.

Define scoring parameters

Create custom parameters from any data source — financial history, behavioral signals, alternative data. Set weights, thresholds, and scoring bands that reflect your lending philosophy.

  • ✓100+ pre-built parameter types
  • ✓Custom formula builder
  • ✓A/B test scoring models
  • ✓Import alternative data sources

Parameter Builder

Monthly Income
30%75
Repayment History
25%88
Employment Stability
20%62
Debt-to-Income
15%51
Alt Data Score
10%44
Total weight100%

Build your decision workflow

Map the full loan lifecycle — from submission, through scoring, manual review, approval, and disbursement — with conditional routing at every decision point.

  • ✓Visual drag-and-drop editor
  • ✓Conditional branching logic
  • ✓Manual review queues
  • ✓Automated notifications

Decision Workflow

📥Application Received
⚡Auto Score
❓Score ≥ 650?
Yes →No → Review
✅Auto Approve

Process all applications

Embed application forms on your site, connect via REST API, or import in bulk. Applications are automatically routed through your workflows and scored in real time.

  • ✓Embeddable application forms
  • ✓REST API with webhooks
  • ✓Bulk CSV import
  • ✓<1s real-time decisioning

Loan Application

Full NameAmara Nwosu
Requested Amount$15,000
Monthly Income$3,200
Employment StatusEmployed
⚡
Score: 742 · Approved
Decision in 0.4 seconds
Interactive demo

See scoring in action

Adjust the parameters below and watch the credit score update instantly.

Scoring Parameters

25%70
30%85
20%60
15%50
10%45

Credit Score

Excellent750–850
Good700–749
Fair650–699
Poor300–649

Range: 300 – 850

Workflow templates

A workflow for every lending product

Run multiple workflows simultaneously. Each with its own scoring model, rules, and notifications.

Consumer lending

Personal Loans

Instant approvals for qualified borrowers. Manual review queues for borderline cases with configurable thresholds.

  1. Submit application
  2. Auto-score
  3. Income verification
  4. KYC check
  5. Decision
  6. Disbursement
Business lending

SME Business Credit

Multi-factor scoring combining financials, industry data, and director credit profiles for comprehensive assessment.

  1. Business profile
  2. Financial review
  3. Director scoring
  4. Risk assessment
  5. Committee approval
  6. Offer letter
Microfinance

Microfinance

Fast, simplified workflows for small-ticket loans with alternative data and group guarantee models. Built for volume.

  1. Mobile application
  2. Alt-data scoring
  3. Group guarantee
  4. Auto decision
  5. Mobile disbursement

Need something custom? Build your own workflow from scratch →

Transparent pricing

Plans that scale with your portfolio

All plans include full feature access. Save 10% with annual billing.

MonthlyAnnual Save 10%

Starter

For teams getting started with smarter lending

$3,850/year

+ $150 one-time onboarding fee

Year 1 total (annual)$4,000
Year 2+ per year$3,850
  • Applications: < 200 / month
  • Workflows: Up to 3
  • Scoring rules: Up to 5
  • Users: Up to 10
  • Storage: 5 GB
  • Support: < 72h email
  • Integrations: > $500 per integration
Start free trial
POPULAR

Professional

For growing lenders with advanced needs

$5,500/year

+ $300 one-time onboarding fee

Year 1 total (annual)$5,800
Year 2+ per year$5,500
  • Applications: < 1,000 / month
  • Workflows: Up to 10
  • Scoring rules: Up to 10
  • Users: Up to 25
  • Storage: 10 GB
  • Support: < 48h email
  • Integrations: > $500 per integration
Start free trial

Enterprise

For large institutions with unlimited scale

$11,000/year

+ $500 one-time onboarding fee

Year 1 total (annual)$11,500
Year 2+ per year$11,000
  • Applications: Unlimited
  • Workflows: Unlimited
  • Scoring rules: Unlimited
  • Users: Unlimited
  • Storage: 50 GB
  • Support: < 24h email & WhatsApp
  • Integrations: > $500 (first 3 free)
Contact sales

SaaS Add-Ons (Available on all tiers)

Additional applications
Per application over plan limit
$1
Additional users
Per user, per month
$5 / user / mo
Extra training session
Dedicated onboarding or training
$150
Custom report
Bespoke reporting build
$300
Tier upgrades
Move between plans anytime
Free
Further customizations
Custom dev & unique requirements
On request
✨ Optional — Exclusivity Package

$5,000 one-time fee. Lock in exclusive platform features and prevent competitors in your region from accessing the same configuration. Available on all plans.

Trusted by lenders worldwide

SenteScore cut our loan approval time from 3 days to under 4 minutes. Defining our own scoring parameters for our local market was the game-changer we needed.

Chukwuemeka Obi

Head of Credit, AfriLend

We run 5 different loan products on SenteScore simultaneously. One dashboard for all applications while each product keeps its own workflow is exactly what growing teams need.

Priya Sharma

CTO, NeoFinance Kenya

Alternative data scoring opened up lending to customers invisible to traditional bureaus. Our approved portfolio doubled in 6 months.

Ibrahim Al-Hassan

Director of Lending, MicroPros

14-day free trial — no card required

Ready to transform
how you lend?

Join 150+ lenders using SenteScore to make faster, smarter, fairer credit decisions. Full feature access from day one.

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