Know if your applicant
can afford it
in just 3 seconds.
Get an NCR-aligned affordability decision instantly. No manual review. Fully POPIA compliant.
▶ See how decisions happen in seconds
Decision Time
Compliant
Risk Signals
Parsing Accuracy
Aligned
Works across all major South African banks
From 15 minutes to 3 seconds.
No guesswork.
Verify true income.
See actual salary deposits hitting the account. We measure consistency over 90 days so you know what they truly earn, not what they claim.
Understand where the money goes.
Every transaction is categorised instantly. Rent, debt, groceries, gambling. No more digging through statements or manual tagging.
Get a decision, not raw data.
We calculate disposable income, recommend a safe instalment, and assign an affordability grade instantly and consistently.
Surface hidden financial risk.
Automatically detect gambling activity, overdraft reliance, payday loans, and returned debits across the full transaction history.
From statement
to decision in just 4 steps
Upload a bank statement
Upload a PDF, connect your bank feed, or integrate via API. No manual setup, no formatting, no friction.
See it in action →Turn messy PDFs into clean financial data
We extract and structure every transaction instantly — salary, expenses, loans, and recurring patterns.
See it in action →
See what lenders usually miss
We detect hidden debt, gambling activity, overdraft reliance, and income instability across 90-day behaviour.
See it in action →
Get a clear affordability answer instantly
Receive a structured affordability score, safe instalment limit, and risk summary your team can act on immediately.
See it in action →
Decisions you don’t regret later
“We were about to approve the application Sorae flagged existing debt we completely missed.”
Zanokuhle Nkosi
Microlender
“It cut our review time massively while still catching risks we would’ve overlooked manually.”
Lunga Zwane
Credit Analyst
“One applicant looked clean on paper. Sorae picked up gambling and overdraft reliance instantly.”
Andile Mthimunye
Credit Analyst
Make faster, safer affordability decisions.
No guesswork.
See how a decision looks in 3 seconds
Sign up now and get your first 3 checks free.
Run your first check →