Sheba Credit gives banks, MFIs, fintechs, and cooperatives the real-time credit intelligence they need to reduce NPLs, expand lending portfolios, and reach Ethiopia's untapped markets.
Three enterprise-grade services that integrate directly into your existing lending workflows — reducing risk and expanding reach from day one.
White-label API access to Sheba's full credit data stack. Real-time credit scores, repayment histories, and risk signals delivered in under 500ms. Integrates into any existing loan origination system.
Analytics platform for portfolio monitoring, sector-specific risk analysis, and borrower trends. Helps institutions design targeted loan products for farmers, women, and SMEs.
Secure, customer-permission data integration enabling real-time, personalised lending decisions. Connect to Telebirr, commercial bank APIs, and cooperative data in a single integration.
Our RESTful API is built for fast integration. Most institutions go from sign-up to live credit checks in under two weeks.
Receive OAuth 2.0 credentials, access sandbox environment, and complete compliance verification.
Add a single API call to your loan application flow. Pass the applicant's identifier; receive full credit intelligence.
Sheba automatically verifies the customer's consent token before releasing any credit data.
Score, repayment history, risk tier, recommended credit limit, and SHAP explanations — all in one response.
Use the data to approve more creditworthy applicants, reduce NPLs, and expand into new customer segments.
Pay per check or commit annually for better rates. No hidden fees. Volume discounts available for high-usage institutions.
For institutions getting started or with variable monthly volumes. No minimum commitment required.
For banks and MFIs with consistent volumes. Includes the full Sheba institutional stack with dedicated support and custom analytics.
Ethiopia has 20+ commercial banks with growing demand for risk data as foreign banks enter the market.
56 licensed MFIs operating nationwide — Sheba gives them the data tools to lend more and lose less.
Digital lenders and payment platforms embedding Sheba's credit intelligence directly into their apps.
Agricultural cooperatives and development organisations using Sheba Agri to unlock farmer financing at scale.