uFlow for cooperatives, credit unions and microfinance
Automate microloan assessment with alternative data and governed policies, sized for the team you actually have.
A cooperative or a microfinance institution lends to people the traditional credit bureau describes thinly, or describes badly. The challenge is not having fewer rules than a bank: it is applying good rules to different information, with a small team and no IT department. uFlow automates that assessment self-service, with the same governance and traceability, minus the complexity of a bank-scale implementation. Institutions running on uFlow include Juancho te presta, Ceibo Créditos, ExcelCredit and Migrante.
Assessing when the credit bureau is not enough
Much of a microloan portfolio consists of thin-file or no-file borrowers: self-employed workers, small merchants, recent migrants. Deciding on the traditional score alone turns away good customers and lets through risk the bureau never sees.
uFlow lets you bring alternative sources into the same assessment flow and combine them with your own behavioral information: the member's repayment history, their previous loan cycles, the data the field officer collects.
- More than 30 integrated data providers, across credit bureaus and alternative sources.
- Your own behavioral data and member relationship history brought into the policy.
- Calls to flat files and your own web services within a single flow.
Policy governance without big-bank complexity
The usual problem is not a lack of criteria, it is that the criteria live in two people's heads and in a spreadsheet nobody versions. When those people are away, the assessment changes without anyone deciding it.
In uFlow the policy is written once, tested, published and versioned. Whoever designs does not have to be whoever approves, and every publication is recorded with its version and change history.
- A written policy, versioned and applied consistently across the institution.
- Per-user roles and permissions to design, test and publish policies.
- Change history with immediate rollback to a previous version.
Built for small teams with no IT department
uFlow is SaaS: there are no servers to maintain, no infrastructure to size, no systems team holding the platform up. Go-live is measured in weeks and the engine is operated by the risk or credit team, not by a developer.
The editor is NoCode, drag-and-drop: the person who knows the credit policy is the person who builds and changes it. That is what most changes day-to-day operations at a small institution, because it removes the dependency on an outside vendor for every adjustment.
- SaaS on serverless cloud infrastructure: in production within weeks.
- NoCode drag-and-drop editor, operated by the credit team.
- Policy changes in hours, self-service, with no IT release involved.
Grow financial inclusion without losing control
Extending reach into less banked segments requires being able to test a policy before applying it to the whole portfolio. uFlow has built-in testing environments, ahead of production, to see how a new policy behaves before publishing it.
After that, every decision is recorded with its input, the rules applied and the outcome. That lets you review how each policy version behaved across the portfolio and adjust with evidence rather than impressions.
- Built-in testing environments, ahead of production.
- Complete record per decision: input, rules applied and outcome.
- Real-time individual assessment or batch rescoring of the whole portfolio.
Security and resilience for a supervised institution
Many cooperatives and credit unions are supervised and have to answer for how their members' data is handled. uFlow is certified under ISO/IEC 27001:2022, encrypts data at rest and in transit, and operates with two-factor authentication and attribute-based access control.
The infrastructure is serverless in the cloud, with redundancy across two availability zones in different regions and geographically dispersed backups, with a recovery point objective under five minutes.
- ISO/IEC 27001:2022 information security certification.
- Encryption at rest and in transit, 2FA and attribute-based access control.
- Geographically dispersed backups, with a recovery point objective under 5 minutes.
Everything you need to know
How do you assess someone with no credit history?+
By combining alternative sources with your own information. uFlow integrates more than 30 data providers and lets you bring the member's repayment history, their previous loan cycles and the data collected by the field officer into the same flow, so the policy does not rest on the bureau score alone.
Can a small cooperative implement a decision engine without an IT team?+
Yes. uFlow is SaaS: there are no servers to maintain and no infrastructure to size, and go-live is measured in weeks. The editor is NoCode drag-and-drop, so the credit team builds and changes the policy without depending on a developer.
What happens to our credit policy if the person who knows it leaves?+
It lives in the engine, not in a spreadsheet or in someone's head. The policy is versioned, with a change history and a record of who published each version, and it is applied identically across the institution. Anyone with permissions can review and adjust it.
Does it work for microloans and not just for large credit lines?+
Yes. Microlending is precisely where the cost of manual assessment weighs most on small-ticket loans. uFlow lets you decide one application at a time in real time or rescore the entire portfolio in batch, with the same policy and the same record per decision.
Start growing with uFlow
Transform your credit assessment process with the decision engine.