NGNUSDAED
Trust network

Turn trusted trade into working capital.

Credara connects buyers, suppliers, banks and financiers through verified trade evidence — so real businesses can access working capital, faster.

  • Verified counterpartiesReal businesses. Real trust.
  • Evidence-linked receivablesFrom purchase order to delivery.
  • Bank and financier readyStructured for real capital.
BuyerGlobal or localPO confirmed
SME SupplierNigerian and across Africa
Finance-ready receivableVerified
Delivery evidenceLogistics, customs, warehouse
BankIssuing, confirming or discounting
FinancierDFIs, funds,
trade finance desks
Evidence pulseExample activity
PO verifiedLagos, NG2m ago
Bill of lading addedApapa Port, NG12m ago
Customs clearance confirmedLagos, NG28m ago
Goods deliveredAbidjan, CI1h ago
Credara trust chain

A secure network for real trade.

The Credara Trust Chain connects every party, document and event across the trade lifecycle — creating a single source of truth that banks and financiers can rely on.

  • Documents you can trustPOs, invoices, shipping, customs, delivery
  • Connected counterpartiesBuyers, suppliers, banks, financiers
  • Faster access to capitalBuilt on verified trade reality
How it works

From a confirmed order to working capital.

Each step is done by the party that knows the facts, so a lender can rely on the record without re-checking it.

InvoiceINV-0042
Draft
Buyer
Ikoyi Wholesale Buyers Ltd
Goods
300 cartons · plantain chips
Amount
₦4,200,000
Terms
Payable in 30 days
Purchase order.pdfInvoice.pdf
Example using the sample business
Credit intelligence

See how a business really earns and collects.

Bank statements, invoices and buyer payments become one profile a credit team can read in minutes, with the reason behind every number.

  • Cash flow from bank statementsCSV and Excel exports from Nigerian and UAE banks. Revenue, outflows and stability by month, per currency.
  • Cash conversionHow much invoiced revenue is actually collected, how fast, and what is overdue.
  • Buyer reliabilityGraded from real payment history across every seller on Credara.
Insights / Ade Foods LtdSample data
Avg monthly revenue₦15.0M5 full months
Collected80%of invoiced value
Days to collect32on paid invoices
Monthly revenueNGN account
010M20M₦18.1MMay₦13.4MJun₦16.0MJul₦11.1MAug₦16.4MSep
Buyer reliabilityacross all sellers
  • AOgudu Neighbourhood SupermarketAlways on time
  • ALekki Fresh Mart LtdLate payments run about a day
  • CIkeja Retail Stores LtdUsually 12 days late
  • DAbuja Hotels and Catering Ltd2 invoices overdue
Who it serves

Built for each side of the trade.

One shared record. Each party sees its own view and acts on its own part.

Get paid on invoices you’ve already earned.

  • Upload bank statements or record trades in minutes
  • Send invoices to buyers for confirmation
  • See exactly which receivables a lender can finance
Receivables₦2,240,000 ready to finance
1 eligible
Lekki Fresh Mart Ltd₦2,240,000Eligible
Ikoyi Wholesale Buyers Ltd₦4,200,000Awaiting buyer
Ogudu Neighbourhood Supermarket₦410,000Paid
Example view
Trust and security

Controls built in, not bolted on.

Lenders rely on the record because the rules behind it are enforced by the system, not by policy documents.

  • Scoped accessEvery business sees only its own orders, invoices and profile. Enforced on the server, not just hidden in the interface.
  • Full audit trailEach confirmation, check and decision is recorded with who made it and when.
  • No double financingThe same invoice can’t be financed twice, even when it is submitted under another account.
  • Currencies kept apartNGN, USD and AED are reported separately and never added together into one figure.
Built by

People who have run lending platforms in Nigeria.

Credara is built by NOVTIA AI SYSTEMS LTD, registered in Nigeria, by a team that has shipped regulated lending software at national scale.

Othniel ObasiFounder
  • Led the Creditville MFBank digital platform turnaround, from 40K to 100K+ users
  • Six-year enterprise transformation at PHED, serving 5M+ customers
  • Architect of the evidence and audit engine behind Credara’s proofs
Martins NwanuEngineering · Head of IT, Creditville Group
  • Leads core banking, digital infrastructure and mobile delivery
  • Scaled loan disbursement to ₦800M–₦1B a month with an 11-engineer team
  • Rebuilt C Money in-house, from 30K to 100K+ users

Make your receivables finance‑ready.

SMEs can start today with sample data. Banks and lenders: we run controlled pilots with your SME and corporate clients.