Borrower Eligibility Criteria

Who Can Apply?

Our microfinance services are designed to be inclusive, helping entrepreneurs, small business owners, and individuals who may not qualify for traditional bank loans. We use our proprietary Bril Score system to assess eligibility based on alternative data sources.

Basic Eligibility Criteria

• Age: Must be at least 18 years old (or the legal age of majority in your country).
• Location: Available in select countries across Africa, Asia, and other regions. Check our website for current availability.
• Income: Demonstrable source of income (employment, business, or other verifiable means).
• Credit History: Not required! Our Bril Score evaluates based on utility payments, mobile usage, and other factors.
• Legal Status: Must be a legal resident or citizen of an eligible country with valid identification.
• No Active Defaults: No outstanding unpaid loans or legal restrictions on borrowing.

Bril Score Requirements

Your Bril Score (ranging from 300 to 850) plays a key role in determining loan amounts and interest rates. Higher scores unlock better terms:

• 300-499: Entry-level eligibility for small loans with educational support.
• 500-699: Standard loans with competitive rates.
• 700-850: Premium options, including larger amounts and lower rates.

Don't have a Bril Score yet? Get one for free by registering on our platform!

Required Documents

To verify your eligibility, you'll need to provide the following documents. We prioritize digital submissions for speed and security:

• Identification: Government-issued ID (passport, driver's license, or national ID card).
• Proof of Address: Utility bill, bank statement, or official document (less than 3 months old).
• Income Proof: Pay stubs, business records, or tax documents.
• Bank Details: Account information for loan disbursement and repayments.

Additional documents may be requested based on your loan type or location.

Application Process

Applying is simple and fast:

1. Register on our website or app.
2. Complete your profile and upload documents.
3. Get your Bril Score instantly.
4. Submit your loan application.
5. Receive approval and funds within 24 hours (for qualified applicants).

Factors That May Affect Eligibility

While we strive for inclusivity, certain factors may impact approval:

• High debt-to-income ratio
• Inconsistent payment history
• Legal restrictions or sanctions
• Incomplete or inaccurate application information

If you're unsure, contact our support team for personalized guidance.

Benefits of Eligibility

Once eligible, enjoy:

• Fast loan approvals and disbursements
• Competitive interest rates based on your Bril Score
• Flexible repayment terms
• Access to financial tools and education
• Ongoing support to improve your credit