Creditspring

1. Build a simple web app (form + dashboard) where borrowers submit basic KYC, phone number, bank statement history, and loan request amount. Use Flutterwave or Paystack to verify bank data. 2. Implement a lightweight credit scoring algorithm: phone verification age, bank transaction frequency, loan repayment history (if any), employment type. No fancy ML needed—rule-based logic works. 3. Connect to a pool of lenders (start with angel investors, microfinance NGOs, or high-net-worth individuals in your network) who fund approved loans in batches weekly. 4. Automate loan disbursement (Paystack/Flutterwave payout) and repayment collection (daily/weekly via standing order or USSD pull). 5. Launch in one LGA or state; charge borrowers a 2–5% origination fee + set lenders' return at 12–24% annual; take 1–2% spread or fixed fee per loan.