Aegis Financial Systems provides whitebox credit forensics infrastructure for Tier-2 lenders, SACCOs, and MFIs. ATLAS delivers forensic SME risk scores, fraud detection, and audit-ready lending recommendations — without the black box.
Click each pillar to understand what ATLAS analyses — and why it matters to your credit committee.
Multi-year revenue trajectory and growth pattern analysis.
Debt-to-revenue stress testing against sector benchmarks.
Open-finance M-Pesa transaction flow and runway scoring.
Automated flags for synthetic P&Ls, shell accounts and more.
ATLAS examines up to three years of revenue data, calculating year-on-year growth rates and identifying volatility patterns that indicate distressed or manipulated financials. Thin-file businesses receive a conservative risk premium — protecting lenders from underdocumented applicants without excluding them entirely.
Every SME is stress-tested against a debt-to-revenue ratio threshold. Businesses exceeding 1.2x leverage receive an automatic Toxic Leverage flag — surfaced directly on the dashboard before any loan officer reviews the file. This alone can prevent your most damaging NPLs.
Where M-Pesa statements are available, ATLAS measures cash velocity — the longest gap between income credits, median account runway, and daily burn rate. Sector-aware multipliers adjust thresholds for Agriculture (seasonal) vs Retail (daily cash flow). Shell and dormant accounts are automatically flagged as AML risk.
ATLAS runs seven proprietary heuristics including synthetic P&L detection, ghost company checks, and volatile cashflow traps. Each flag is labelled and exportable — giving your credit committee a documented, auditable reason for every decline.
Every scoring decision in ATLAS is traceable. Your credit committee sees the reason, not just the verdict.
One credit equals one SME forensic scan. No subscriptions for pilots — buy what you need and scale as you grow.
We work directly with lenders, MFIs, SACCOs, and development finance institutions across East Africa. All access is credentialed and reviewed before issuance.