Credit infrastructure built for every business.
Credit check customers, buy items on credit for your business, offer buy now, pay later, or lend at checkout. Four products, one account.
Sample data. Names, BVNs and keys are made up.
Partnered with businesses across Nigeria
Credit decisions used to take days.
Chasing bank statements, calling references, waiting on a bureau. With Scorely, one credit check does all of that.
The usual way
2 to 3 days
- Step 1: Your customer sends their statements, IDs and references
- Step 2: Your team then goes through their records manually
- Step 3: You finally make a decision based on subjective analysis
Now, with Scorely
Under a minute
- Step 1: Your customer sends their name and BVN
- Step 2: Your team generates their report using Scorely
- Step 3: You make a quick decision using a bureau-backed score
with reasons
Four credit products. One connected platform.
Credit checks, business credit, buy now, pay later and lending, from the same account, with one wallet and one team.
Sample data. Names, BVNs and keys are made up.
Scale with confidence
- 20k+
- Credit checks run
- 300+
- Businesses on CreditVeto
- 99.7%
- Uptime over the last 90 days
- ₦4.2bn
- Processed through CreditVeto
- 12k+
- Loans and credit offers processed
Credit reports you can act on.
Every check returns a credit score from 300 to 850 with the factors that shaped it, in the web app or through the API.
One score, on one scale
Every check returns a score between 300 and 850, so your team compares every applicant the same way. Switch to JSON to see exactly what the Scorely API returns.
The reasons behind it
Score reasons show what lifted the score and what held it back, so your team can make a decision and explain it.
How the score was built
Seven factors, each graded A to D and weighted by how much it counts, from how steadily money comes into the customer's account to how reliably they pay bills.
Signals and flags
Extra checks sit beside the score: the highest score the customer could reach, their likelihood of default, how much of their debt is visible, and flags for suspicious patterns.
Bureau data on Premium checks
Premium checks add the customer's bureau record: a bureau score, their accounts, month-by-month payment history and recent enquiries. Checks cost ₦500 to ₦5,000, and the higher-priced ones are the most detailed.
Zara BluefieldLive
BVN 221••••4839 · Full Premium · 24 Oct 2026
Score Dimensions
- Cash Flow Capacity78.5 · weight 28%B
- Payment Reliability84.2 · weight 22%B
- Behavioural Integrity90.1 · weight 18%A
- Transactional Entropy65.0 · weight 12%C
- Identity Confidence95.0 · weight 10%A
- Risk Exposure70.0 · weight 6%C
- Relationship Depth60.0 · weight 4%D
Score Reasons
- Strong cash-flow regularity
- Consistent bill payment history
- 2 late payments in the last 6 months
730
Ceiling
12
P-Risk
82
Debt Visibility
60
Relationship Depth
Manipulation FlagsWash Velocity
Bureau Credit Score
Score Reasons
- 1. Low utilisation on revolving facilities
- 2. No delinquent accounts in the last 12 months
- 3. Short average account age
Sample data. Names, BVNs and keys are made up.
Go from test to live by swapping one key.
Scorely is a credit check API with one base URL for sandbox and live. The key you send in the X-API-Key header decides the environment, so going live is a key swap and nothing else.
Developer docsRequest
- 1GET /credit/score?bvn=12345678901
- 2X-API-Key: sk_sandbox_4f9a…3d78
- 3
- 4200 OK
- 5{
- 6 "product_code": "full-premium",
- 7 "internal_score": {
- 8 "score": 724,
- 9 "score_label": "Good",
- 10 "confidence_tier": "high"
- 11 },
- 12 "bureau_score": { "score": 712, "rating": "Good" },
- 13 "environment": "sandbox"
- 14}
Sandbox API key generated
Sample data, no charges. Copy it now; you won't see it again.
Sample data. Names, BVNs and keys are made up.
Access for every role.
Give each teammate the access their role needs, across every CreditVeto product. Manage billing, keys and members in one place.
Team members
Invite member- TSAdmin
Tobi Starling
- CMDeveloper
Chidi Moonbay
- FBAccountant
Fara Brightwell
- Invite pending
Developers can manage live keys
Allowed · changed by Tolu
Sample data. Names, BVNs and keys are made up.
Built for sensitive data, on every product.
Credit data is personal. These safeguards apply to every business, merchant and lender on CreditVeto.
Bank-grade account linking
Businesses link bank accounts securely to build their score. CreditVeto never sees or stores banking credentials.
Verified businesses
Identity, registration and payout checks, and money is only paid to accounts in the business's own name.
Vetted lenders only
Every lender is vetted before their plans are shown to customers at checkout.
Reviewed API access
Before a live Scorely key is issued, a person reads what it will be used for, because it handles credit data.
Customer stories
“We used to wait three days for a credit decision. Now our loan officers have an answer before the customer leaves the desk.”
Start free today. Verify as you go.
Questions, answered.
Everything you need to know before your first check.
Which product is right for my business?
If you give customers credit, use Scorely to check them. If you need stock, equipment or working capital, use Business Credit. If you sell products and want customers to buy on credit, use Merchant Hub. If you lend to customers, use Lender Hub to fund orders at checkout.
Can I use more than one product?
Yes. Every product runs from the same CreditVeto account, with one wallet, one team and one set of verification proofs.
How much does it cost?
Scorely checks cost ₦500 to ₦5,000 each, paid from your wallet, and the sandbox is free. The higher-priced checks are more detailed and add bureau data. Business Credit, Merchant Hub and Lender Hub are free to join.
How do I check a customer's credit score in Nigeria?
Sign up, add the customer and get their consent, then run a credit check from the dashboard or the API. Reports start at ₦500.
What do I need to verify?
Only what a feature asks for. Proofs like your BVN, CAC registration and payout account take about a minute each, and each one counts across every product.
How do merchants get paid?
A lender pays for the order, and the order amount, less your fee, goes into your Merchant Hub wallet. You choose whether it's available as soon as the lender pays or once delivery is confirmed.
Is there an API?
Scorely has an API, with sandbox and live keys, webhooks and request logs. Business Credit, Merchant Hub and Lender Hub work from the CreditVeto web app.