Financial due diligence infrastructure

Know the business before you lend. Keep knowing it after.

Parity reconciles what an SME declares against what its bank and mobile money statements actually show, and seals the result into one snapshot your credit committee can defend.

Bring a statement → See how it works ↓
Your data, live · no commitment · we respond within 24 hours
FINANCIAL SNAPSHOT · SAMPLESEALED
Wholesale distribution SME
Nairobi · 12 months · bank + M-Pesa + audited accounts
LineDeclaredObservedStatus
Revenue280.4M286.8MReconciled
Loan repayments3.6M3.5MReconciled
Cash position41.2M38.8MReview
Cash position is KES 2.4M below what was declared. Flagged for the analyst with the reason. Parity states the gap, it never guesses.
SHA256 · a4c91f3b8d2ec1f0b4a7e2d3f8a9b1c4e7f2a0d39e8b7a6c5d4f3e2b1a09
Illustrative sample · figures in KES
20+
Bank statement formats
42
Mobile money formats
24h
New bank format turnaround
4
African markets on pilot
The problem

The information asymmetry tax.

Capital exists. Businesses exist. Proof doesn't, and every break in trust gets priced in.

Records are fragmented.

Bank accounts, mobile money, cash and paper. Nobody sees the whole business, often not even the business itself.

No single view

Claims can't be checked.

What a business declares rarely meets what actually moved through its accounts, so every lender starts from doubt.

Broken trust

Lenders price the doubt.

Rates rise and collateral demands climb to cover risk nobody can isolate. Good businesses pay for the bad, or don't get funded at all.

Rates + collateral
Together, the tax holds back
$331B a year
Unmet SME financing demand, sub-Saharan Africa · IFC / SME Finance Forum
The product

Two moments decide whether a loan goes bad. Parity covers both.

Most losses start with something nobody could see: at approval, or after the money went out.

Live

Due diligence your credit committee can defend.

Upload the statements and what the business declared. Parity structures the financial truth before your analyst prices it.

  1. 01
    UploadBank and mobile money statements, plus audited or management accounts, or the application.
  2. 02
    ReconcileDeclared revenue, expenses, loans and cash checked against what actually moved.
  3. 03
    SurfaceEvery supplier, customer, payroll line, loan inflow and repayment, mapped by role. Your analyst reviews only what's unclear.
  4. 04
    SealOne snapshot for the credit committee, sealed so anyone can check it hasn't changed.
Early access · piloting with partners

Diligence that doesn't stop at disbursement.

The approval snapshot becomes the baseline. New statements show what changed, before a repayment is missed.

  1. 01
    BaselineThe sealed snapshot at approval is the reference point for the life of the loan.
  2. 02
    RefreshNew statements come in on a schedule you set.
  3. 03
    Flag driftInflows falling, a new lender appearing, a top customer gone: stated as it happens.
  4. 04
    Prove the portfolioEvidence of portfolio quality for your own funders, built from sealed records.
Illustrative samples
Not

A credit score

No number decides for you. Parity shows what the money did, and your team decides.

Not

A lending marketplace

We don't source deals or match businesses with funders. We check the deals you already have.

Not

Generative AI on your numbers

Every figure is computed by rules, the same way every time, and traceable to its source.

What reconciliation looks like

What was declared, what actually moved, and every gap explained.

Line item
Declared
Observed in statements
Variance
Revenue
KES 280,400,000
KES 286,796,695
+2.3% · explained
Loan repayments
KES 3,600,000
KES 3,495,696
−2.9% · explained
Cash position
KES 41,200,000
KES 38,760,210
−5.9% · under review
Illustrative example · observed figures come from primary bank and mobile money data, never from the applicant's own summary
"I haven't come across a tool that does this. It reconciles the audited statements against actual bank transactions and explains every single variance."
Anthony M. · Investment Analyst · GBFund · Nairobi · 2026 pilot
Who it's for

Built for the people who sign off on SME capital.

Banks

SME credit teams

Credit papers backed by reconciled evidence, not a stack of statements read by hand.

Funds and private credit

Investment and credit analysts

IC memos where every number traces back to its source, and a record LPs and DFIs can check.

Microfinance

Credit officers and managers

See hidden debt and real cash flow at approval, then watch for early warning signs after.

Prove

Every number can be reproduced, traced and defended.

Paid per report, never on loan outcomes. Nothing Parity shows depends on whether you lend.

Deterministic

Same documents in, same answer out. No AI in the financial analysis: every classification traces to a rule.

Sealed

Each snapshot carries a digital fingerprint. Change one number and it no longer matches.

Human in the loop

Where data is unclear, a credit officer or analyst decides, with the reason recorded.

Your data stays yours

Client data is never shared with another institution. Parity improves its rules, not by passing records around.

Parity Science

Parity tells you how sure it is about every transaction.

01 · Certain

Direct evidence

The transaction itself confirms what it is. Classified with no analyst action needed.

02 · Likely

Pattern, not proof

Behaviour across transactions points to a role, but nothing confirms it. Flagged for review with a hint.

03 · Unknown

No pattern, no guess

An analyst resolves it, and that resolution makes every similar case clearer for the future.

Where Parity runs

Live in Kenya. Piloting across Africa.

Flag of KenyaActive

Kenya

Major banks and M-Pesa

Flag of GhanaPilot

Ghana

Bank formats in development

Flag of ZambiaPilot

Zambia

Bank formats in development

Flag of EthiopiaPilot

Ethiopia

On-premise, data-sovereign deployment

The team

Builders who have lived inside SME credit.

Mbakaya Weever
Founder & CEO
Mbakaya Weever
Eight years building credit for farmers and merchants. Co-founded and exited Bitshamba, as CTO, and Sarami. Former CPO at Uncap, building due diligence and portfolio tools for funds.
linkedin.com/in/mbakaya-weever →
Tom Chege
Product & Tech Lead
Tom Chege
7+ years in tech, starting as a back-end engineer. Former Head of Mesozi Labs. Led merchant wallets and inventory product at MarketForce.
linkedin.com/in/tom-chege →
Questions

What credit teams ask us first.

Is Parity a credit score?
No. A score gives you a number and asks you to trust it. Parity gives you the evidence underneath: what the business declared, what actually moved through its accounts, and every gap between the two. Your credit team still makes the decision, with proof it can show the committee.
Does Parity use AI?
Not in the financial analysis. Every classification, reconciliation and number is computed by rules, so the same documents always give the same answer. AI only helps read scanned documents, and your analyst confirms the extracted figures before any analysis runs.
Will Parity tell me whether to lend?
No. Parity states what the money shows and flags what needs attention. It never recommends approving or declining. That keeps it neutral, and keeps the decision with the people accountable for it.
Do you help SMEs find funding or match them with lenders?
No. Parity isn't a marketplace or a deal flow tool. We work for the lender or investor, on the deals already in front of them.
What documents do I need?
At least one bank or mobile money statement. Add what the business declared, such as audited or management accounts or a loan application, and Parity reconciles the two. PDFs work, including scanned audited accounts.
What if my bank's statement format isn't supported?
Request it from inside the platform. We build and verify new formats within 24 hours, and you can track every request you've made.
Who can see my data?
Only your institution. Client data is never shared with another institution. Parity gets better by improving its classification rules, not by passing records between clients. We'll walk your team through how data is stored, who can access it and how long it's kept before you share a single statement.
What does "sealed" mean?
Each snapshot gets a digital fingerprint calculated from its contents. Change one number and the fingerprint no longer matches, so anyone you share the snapshot with can check it's exactly what you saw.
How is Parity priced?
Per report, or a licence for teams with steady volume. Never on loan outcomes, so nothing in a report depends on whether you lend.
How do we start?
Bring one statement and we'll reconcile it live with your team. If it's useful, we run a two-week pilot on your own deals, then decide together.

Bring one statement. See what it actually shows.

We'll reconcile it live, on your data, not a demo. Email us and Mbakaya responds personally within 24 hours.

Email hq@paritytunnel.com →