Credit data infrastructure.
CredBackr was built to answer a specific question: can the decision owner see what the bank statement already contains?
Why we exist.
For many small and micro businesses, commercial credit bureau data is thin, stale, or absent. Underwriters then face a binary choice: withhold cover, or accept exposure without adequate data. Neither option serves the business or the creditor.
Bank statements are already part of the credit workflow. They contain the observable evidence of how a business operates: when money comes in, how it is spent, whether statutory obligations are met, how supplier relationships are funded. Until now, that evidence has been read manually — if at all — by credit teams that lack the time and the structure to extract it consistently.
CredBackr computes this evidence. Every report covers the same five behavioural dimensions. Every signal traces to specific transactions. Every report is produced by the same deterministic engine in under two seconds.
Principles.
Deterministic by design.
Every sentence in a CredBackr report traces to a specific computation. No language model operates on customer data. The same input always produces the same output.
Non-advisory by design.
CredBackr does not produce a credit score, risk rating, approval recommendation, or any single compressed number that represents creditworthiness. It produces structured evidence. The decision rests with the credit owner.
Auditable by design.
Every numeric claim traces to specific transactions. An auditor can reproduce any line in any report from the source data.
Founder.
Adam Franklin is the founder of CredBackr Inc. A Chartered Accountant based in South Africa, Adam developed CredBackr's deterministic behavioural cashflow methodology through direct work on SME credit assessment problems and incorporated CredBackr Inc. to take the product to global markets. The underlying method is patent pending.