Check customers, get credit for your business, sell on credit, or lend at checkout. Four products, one account.
Trusted by businesses across Nigeria
Credit decisionsused to take days.
Chasing bank statements, calling references, waiting on a bureau. With Scorely, all of that happens in one check.
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 products. One connectedplatform.
Use one product or all four from the same account, with one wallet and one team. Open a product to see what it does.
Scale with confidence
- 20k+
- Credit checks run
- 30+
- Businesses on CreditVeto
- 99.0%
- 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 comes back as a clear score 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.
Adaeze OkaforLive
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
Go from test to liveby swapping one key.
The Scorely API uses 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.
Access forevery 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- TAAdmin
Tolu Adeyemi
- CNDeveloper
Chinedu Nwosu
- FBAccountant
Fatima Bello
- Invite pending
Developers can manage live keys
Allowed · changed by Tolu
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.
Licensed lenders only
Every lender's licence is checked 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 and numbers
“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.
Create your account
Start in the sandbox for free.
Full name
Tolu AdeyemiWork email
[email protected]Organization name
Adebayo Logistics LtdPassword
••••••••••Sandbox API key generated
Copy this key and keep it somewhere safe. You won't be able to see it again after you close this window.
DoneVerification
4 of 12 verifiedEach proof counts everywhere.
- Verified
Identity
Owner BVN
Confirms who's behind the business · about 1 minute
- Verified
Identity
Director NIN
A second ID for a director · about 1 minute
- Verified
Your business
CAC registration
Fills in your company details for you · about 1 minute
- Verified
Money
Payout account
Money only goes to an account in your name · about 1 minute
Your products
Adebayo Logistics · Verified business
Scorely
Credit checks
Business Credit
Shop on credit and get loan offers
Merchant Hub
Sell on credit, get paid in full
Lender Hub
Lend to customers at checkout
One account, one wallet and one team across all four.
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're a licensed lender, 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.
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.