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Oze Orginate

The last lending management software you will ever use, no-code required! Grow your portfolio while keeping risk in check—use AI-driven credit scoring and automation to reduce NPLs and protect your bottom line.

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Scaleable lending to unlock growth

With Oze Originate, you can implement an AI powered-lending solution with no heavy-lifting. Lend to SMEs with faster approvals, fewer defaults, and accelerated growth in your loan book. 

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Digitize and automate your lending processes

Digital Loan Applications

Create custom, online applications, no more paperwork. Customer portal included!

Credit score

AI-Powered Credit Scoring

Credit score your customers with our machine learning algorithm and watch your NPLs drop.

Automated Disbursement

Digital loan agreements and digital approvals or auto-disburse rules.

Portfolio Analytics

Monitor NPL and total disbursements or drill down to individual loans.

Reduce NPLs with machine learning

Make smarter credit decisions; credit score your customers with Oze’s machine learning algorithm adapted to understand your customer segment and your risk tolerance—reducing NPLs.

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85%

Oze’s credit risk model has reduced NPLs by up to 85%!

Lend profitably with automation

No more manual data entry. Create a custom, online application where your customers can apply for loans and provide all the required documentation. View loan applications and all supporting documents in your account!

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Trusted by top lenders across Africa

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Our Process

Get up and running with a fully-custom LMS in 8 weeks or less 

1

Discovery

2

Proof of concept

3

Integration (If required)

4

Onboarding & Pilot

Security you can bank on

Oze is ISO/IEC 27001:2022 certified, meeting the highest international standards for data protection and business continuity—ensuring you and your customers are always protected.

"Since integrating Oze Embed’s ‘Apply for a Loan’ button into our portal, our merchants now have seamless access to quick inventory financing. This has empowered them to stock up efficiently, drive higher sales, and stay competitive. We’ve seen a marked improvement in merchant retention because they feel supported in growing their businesses. Oze Embed has truly transformed the way we enable our merchants’ success."

Emmanuel , CEO of DrugStop

FAQs

How can Oze Originate help me lend profitably to small businesses?
Oze Originate automates the lending process from application to disbursement, reducing costs and freeing up staff time. AI-powered credit scoring leverages your historical and alternative data to identify qualified borrowers, helping you lower NPLs and increase profitability.
Can Oze Originate integrate with my existing system?
Yes. Oze Originate can run as a standalone platform or integrate with your core banking system. It’s fully customizable to your loan products, workflows, and branding.
How does Oze Originate help reduce Non-Performing Loans (NPLs)?
Our AI/ML credit scoring combines transaction histories, mobile money, and payment data to give a full picture of borrower risk. Automated reminders, portfolio monitoring, and early intervention tools help ensure on-time repayments.
What types of loans can I manage with Oze Originate?
You can configure loans for consumer, SME, education, salaried worker, or inventory financing. Each product can have its own criteria, application form, approval process, and disbursement rules.
How quickly can I launch Oze Originate?
You can be live in weeks, not months. Our setup includes a branded microsite or web app, digital loan applications, automated credit scoring, and disbursement tools—ready to start lending in under 30 days.
How secure is Oze Originate for customer data and transactions?
Security is central to Oze Originate. We use end-to-end encryption, secure authentication, multi-factor approvals, and compliance with data protection standards to safeguard all customer data and transactions.
How quickly can I start lending digitally with Oze Originate?
You can be live in weeks, not months. With our quick setup, you get a branded microsite or web app, digital loan applications, automated credit scoring, and disbursement tools ready to go. Many clients start processing loans in under 30 days, immediately reducing manual work and unlocking new lending opportunities.