When your records are messy, credit is out of reach
Onrecord turns a Ghanaian SME's real records-MoMo statements, receipts, a handwritten sales book-into a clean, provable, lender-ready financial profile in under an hour.
Built for GHS 20,000–200,000 · No bookkeeper needed · MoMo-first
Upload your records
MoMo statements, bank statements, receipts, handwritten ledgers-photos or PDFs. Nothing gets thrown away or 'edited'.
We build the provable profile
Every figure is extracted, derived, or declared-each traceable to a source page. Statements must reconcile before they enter the ledger.
Share it with your lender
A readable financial profile plus an honest list of what's still missing. Verifiable, not just pretty.
Lenders can't trust what they can't trace
Never a made-up number
Three kinds of value-extracted, derived, declared-never mixed. Aggregation and scoring are deterministic code, not model output.
Proof over polish
Every figure carries where it came from. Fraud is actively screened and a server-side audit trail sits behind every profile.
A score, not a decision
A readiness score measures how complete and consistent your file is. It's tooling for you and your lender-never a lending decision.
Your money deserves a file that tells the truth
Create your profile today and go to your first lender meeting with receipts-not charm.
Get started