Upload a client's M-Pesa statement PDF and get an instant credit score — backed by real transaction data. See their income, loans, and spending habits in seconds, not days.
One PDF tells you more than a lengthy interview. Here is exactly what SuperCrunch extracts for you.
See how much money comes in every month — from salary, business, or transfers — so you know exactly what your client can afford to repay.
Find out how many active loans they have from MFIs, SACCOs, Fuliza, or M-Shwari — and the total amount they already owe.
Where does their money go? Supermarkets, fuel, hotels, school fees, utilities — broken down clearly by category so nothing is hidden.
Know if they spend regularly on betting platforms — one of the clearest risk signals a lender can see before approving a loan.
See whether income and spending are growing, shrinking, or stable — not just a single month snapshot, but the full picture over time.
Discover which Kenyan towns and regions show up in their transactions — useful for confirming where they actually live and operate.
Regular insurance payments and savings deposits are strong signs of a financially responsible borrower — SuperCrunch flags these for you.
See who they pay most often — revealing stable recurring commitments like rent, suppliers, school fees, or regular utilities.
SuperCrunch automatically highlights what matters — low savings, too many loans, irregular income — so you don't have to read every line.
No paperwork. No waiting. Just a PDF and a few seconds.
Your client downloads their M-Pesa statement from the MySafaricom app or via USSD (*334#) and sends you the PDF. You upload it to SuperCrunch — takes under a minute.
SuperCrunch automatically reads the PDF and sorts every transaction into the right category — income, loans, betting, groceries, utilities, and more — all on its own.
In seconds you have a complete financial picture of your client. Know exactly who you are lending to and how much they can comfortably repay — no guesswork.
M-Pesa statement scoring (also called Mpesa statement analysis) turns a customer's M-Pesa statement into a credit score. SuperCrunch reads every transaction in the statement PDF — income, loan repayments, Fuliza, betting, bills and savings — and shows you how creditworthy the customer is and how much they can comfortably repay.
Digital lenders, microfinance institutions (MFIs), SACCOs, chamas and any business in Kenya that offers credit. It replaces hours of reading statements line by line with a clear report in seconds.
The client requests a full statement from the M-PESA app (Statements), or dials *334# → My Account → M-PESA Statement. Safaricom emails them a password-protected PDF. They send you the PDF and password, and you upload it to SuperCrunch.
At least six months gives a reliable score. Use the full M-PESA statement emailed by Safaricom — screenshots, mini statements, Fuliza- or M-Shwari-only statements and bank statements are not supported.
A few seconds. Once the PDF is uploaded, SuperCrunch sorts every transaction into categories automatically and shows the score and full report straight away.
Creating an account is free. Each statement you score uses one scoring credit.
Yes. SuperCrunch has an API, so you can send M-Pesa statements for scoring straight from your own loan management system. API keys are available on the API page once you sign in.