M-Pesa Statement Scoring

Know your client
before you lend.

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.

Everything you need to know
from one M-Pesa statement

One PDF tells you more than a lengthy interview. Here is exactly what SuperCrunch extracts for you.

Average Monthly Income

See how much money comes in every month — from salary, business, or transfers — so you know exactly what your client can afford to repay.

Loans from Other Lenders

Find out how many active loans they have from MFIs, SACCOs, Fuliza, or M-Shwari — and the total amount they already owe.

Spending Habits

Where does their money go? Supermarkets, fuel, hotels, school fees, utilities — broken down clearly by category so nothing is hidden.

Betting & Risky Spending

Know if they spend regularly on betting platforms — one of the clearest risk signals a lender can see before approving a loan.

Month-by-Month Trend

See whether income and spending are growing, shrinking, or stable — not just a single month snapshot, but the full picture over time.

Where They Transact

Discover which Kenyan towns and regions show up in their transactions — useful for confirming where they actually live and operate.

Insurance & Savings Signals

Regular insurance payments and savings deposits are strong signs of a financially responsible borrower — SuperCrunch flags these for you.

Most Frequent Payees

See who they pay most often — revealing stable recurring commitments like rent, suppliers, school fees, or regular utilities.

Automatic Red Flags & Insights

SuperCrunch automatically highlights what matters — low savings, too many loans, irregular income — so you don't have to read every line.

Simple for you. Fast for everyone.

No paperwork. No waiting. Just a PDF and a few seconds.

1
Client shares their statement

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.

2
We read every transaction

SuperCrunch automatically reads the PDF and sorts every transaction into the right category — income, loans, betting, groceries, utilities, and more — all on its own.

3
You make a confident decision

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.

Stop guessing.
Start knowing.

Join lenders, SACCOs, and financial institutions already using SuperCrunch to make smarter, faster lending decisions.