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Stelo Credit Profile
Combines income, expenses, liabilities, repayment behaviour, verification confidence and relevant financial context into an account-level profile.
Explore the Credit Profile → Platform features
Credit decisions with clearer context and clearer limits.
Stelo connects financial profiling, scoring, affordability, product eligibility, M-Pesa money movement and repayment history into one server-authoritative lending journey.
Decision stackProfile → Limit → Product
Stelo credit score0–100An indicator within the wider assessment—not a stand-alone approval promise.
AffordabilityExposureConfidenceHistory
0–100 scoreA structured indicator inside a broader credit assessment.
Server-authoritativeCore lending calculations and states live on the backend.
M-Pesa firstB2C disbursement and M-Pesa/STK repayment.
Core capabilities
The lending experience is more than a loan application form.
Each feature has a specific job: understand the customer, control exposure, present only eligible credit, move money reliably and build a clearer repayment record over time.
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0–100 credit score
A compact risk/credit indicator that can help summarize profile strength while remaining subordinate to affordability, exposure and product controls.
How scoring fits →03
Affordability controls
Income is considered after recurring expenses and obligations so a headline income figure does not become the sole basis for borrowing capacity.
Eligibility & limits →04
Hard credit ceiling
The effective credit limit is a real maximum. Product visibility never overrides the current ceiling or remaining room after active exposure.
Understand the ceiling →05
Transparent product states
Tiers can be visible, locked, eligible, requested or approved so customers can distinguish catalogue discovery from actual access.
See product states →06
M-Pesa money movement
Approved loans are designed for B2C disbursement and repayments for M-Pesa/STK flows, without introducing a generic withdrawal wallet.
See the M-Pesa architecture →07
Consent-led financial signals
Relevant Android transaction messages can be processed locally into derived aggregates instead of making raw message history the underwriting payload.
Privacy by design →08
Repayment history
Confirmed repayment outcomes can become part of future profile reviews while avoiding an automatic promise of a higher next limit.
Repayment journey → Scoring with context
A 0–100 score can summarize risk. It should not erase the underlying financial picture.
Stelo's credit score is designed as one output of the wider profile. The account can use it alongside data confidence, affordability, active exposure and product-specific controls rather than treating one number as automatic approval.
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Evidence quality matters. A score is more meaningful when the underlying financial history is sufficiently complete and consistent.
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Affordability remains separate. A strong indicator does not justify an amount the customer cannot reasonably service.
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Current exposure can constrain access. Existing obligations can reduce available room even when other signals are positive.
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Thresholds remain backend-controlled. Product eligibility and score thresholds should be maintained server-side rather than hard-coded into the public website.
00–100100
Credit indicator
Affordability
Exposure
Confidence
Illustrative only. The public website does not publish underwriting weights or promise approval at a particular score.
M-Pesa-first architecture
Money movement stays connected to the actual loan state.
Stelo's intended production flow uses M-Pesa for both directions of the lending journey: approved disbursement through B2C and repayment through supported M-Pesa/STK flows.
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Approve first. Eligibility alone does not trigger disbursement.
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Disburse through B2C. The backend records the resulting transaction state.
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Repay through M-Pesa/STK. Sending a prompt is not the same as a successful payment.
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Post only confirmed outcomes. Loan balances should change only after authoritative payment confirmation.
Stelo backendApproved loanServer-authoritative state
→M-PesaB2C / STKMoney movement
→Stelo ledgerConfirmed resultUpdate loan state
No generic customer withdrawal wallet is required for the intended credit flow.
Consent-ledDerived financial signals
DeviceParse relevant transaction context locally
Derived dataSend aggregates needed for assessment
BackendApply lending controls server-side
Privacy & security
Collect the financial context the product needs—without making raw phone data the product.
The Android design is built around explicit consent and local processing of relevant M-Pesa transaction messages into derived aggregates. The backend receives the financial signals needed for assessment rather than treating a full raw message history as the default credit payload.
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Purpose-limited data. Use information for the lending function it was collected to support.
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Backend-authoritative decisions. Sensitive lending calculations are not entrusted to client-side presentation logic.
✓
Clear consent boundaries. Financial analysis should be understandable and permission-based.
✓
No raw-history marketing claim. The website describes derived financial signals rather than implying indiscriminate message uploads.
Responsible credit features
Make the safer action the default product behaviour.
Responsible lending is reflected in how limits, exposure, quotes, repayments and future reviews work—not just in a disclaimer at the bottom of the page.
Conservative first access
Initial borrowing capacity can be staged rather than assuming a new customer should begin at the largest tier their headline income might suggest.
Exposure-aware limits
Active debt and relevant guarantee exposure remain part of the available-capacity picture.
No automatic limit growth
Good repayment history can help future reviews, but each new limit remains subject to a current assessment.
Transparent quote review
The exact loan obligation should be visible before the customer confirms a request.
Choose with context
Now explore the products these controls govern.
See the Stelo 1K through Stelo 75K catalogue and the states that determine what you can select.