TradEdge provides a structured, data-driven credit infrastructure that helps traders, artisans, farmers and transport workers access responsible loans, revolving credit and overdraft facilities – while giving governments and financial institutions full visibility, compliance and control.
Profiles ready for credit onboarding*
State programs, DFIs, MFIs & partner banks
*Figures are indicative of system capacity and ongoing deployments. Exact numbers depend on active programs.
TradEdge does not give loans directly. Instead, we provide the verified identity, credit signals, and digital rails that banks, MFIs, cooperatives, donors and governments use to deploy structured, auditable credit and overdraft programs to the informal sector.
For most traders and artisans, access to capital is constrained not by lack of activity, but by weak records, fragmented identity, and absence of structured data. TradEdge bridges this gap by making informal sector activity visible, verifiable and credit-ready for serious financial institutions and government-backed programs.
Each properly structured credit unlocks productivity for entire value chains – wholesalers, transporters, farmers, retailers and artisans – not just individual borrowers. TradEdge allows these value chains to be profiled, scored and served at scale.
By combining identity verification, transaction trails, association endorsement and behavioral data, TradEdge reduces the information gap that keeps lenders away from informal sector customers. This translates into better risk pricing and healthier portfolios.
Whether it is a state-wide microcredit fund, a women-in-trade program, or donor-backed MSME facility, TradEdge provides the rails, controls and reporting needed for traceable, audit-ready disbursement and recovery.
TradEdge is not a digital moneylender trying to push one-size-fits-all loans. Instead, we act as the operating infrastructure that governments, banks, microfinance institutions, cooperatives and development partners rely on to:
Every program can be configured – from ticket sizes and tenors, to sectors, locations, and gender or youth focus. This flexibility makes TradEdge attractive to policy makers, DFIs and private sector financiers looking for scale with accountability.
Unions, cooperatives and trade groups can negotiate bulk facilities backed by the strength of their verified membership base, shared repayment behaviors and internal controls – all visible on TradEdge.
Every component of the Loans, Credit & Overdraft Support service is engineered to balance inclusion with prudence – helping partners reach more people without losing visibility or control.
Borrowers are not anonymous. They are linked to verified TradEdge profiles, associations, markets and in some cases NIN/BVN, giving partners confidence in who they are financing.
Activity, history, association checks and other behavioral indicators are combined into easy-to-use signals that help partners design program rules and risk thresholds.
Partners can deploy term loans, revolving credit lines, trade finance limits and short-tenor overdrafts configured to the realities of markets and sectors they serve.
Clear approval flows, role-based access, and granular reporting make it easy to manage programs with multiple stakeholders – from MDAs and fund managers to banks and associations.
Our scoring model combines identity, behavioral, transaction and community indicators to derive meaningful signals that lenders and state programs can trust.
These signals do NOT replace formal credit bureau data. Instead, they fill the gap by providing lenders and state actors with the contextual insights missing from traditional systems.
Without alternative data, most informal sector borrowers remain invisible to lending institutions. The TradEdge scoring engine reduces this invisibility.
TradEdge supports multiple credit and overdraft structures that match the strategic priorities of each partner.
Informal workers need capital to expand
Typical ticket sizes for urban markets
Recovery rate in structured associations
Profiles on TradEdge ready for onboarding
Whether you're a state government, association, donor partner, or financial institution, TradEdge provides the infrastructure and field ecosystem to reach thousands of micro-enterprises with transparency and control.
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