Property intelligence for everyone

The financial layer
property deserves

Credolay connects landlords, tenants, and prospective homeowners with the financial intelligence to make better decisions — before problems happen, not after.

Bank-grade security
You own your data
Live updates
Live profile
📈
Momentum
Building
+47 this month
🛡
Resilience
84%
Strong
✦
Grade
B
Stable · 11% risk
PROPERTIES
14 Victoria Close, Lagos
Rent verified ✓
7 Maple Street, London
Due in 3 days
Rent verified · £1,200 · May
Rent streak
9 months ✓
LENDERS MATCHED
6 offers
Best rate: 4.28% APR
B
Your grade
Stable
🏠 Rent verified · Adebayo O · Lagos✅ Grade A achieved · Chioma E · London🔔 Landlord alert cleared · Emeka N · Abuja📈 Resilience +14pts · Fatima A · Manchester🏡 Home readiness 91% · Kemi B · Lagos💳 Lender matched · Tunde K · Birmingham🔑 Tenant pre-approved · Sarah M · Accra📄 Tenancy signed · James O · London🏠 Rent verified · Adebayo O · Lagos✅ Grade A achieved · Chioma E · London🔔 Landlord alert cleared · Emeka N · Abuja📈 Resilience +14pts · Fatima A · Manchester🏡 Home readiness 91% · Kemi B · Lagos💳 Lender matched · Tunde K · Birmingham🔑 Tenant pre-approved · Sarah M · Accra📄 Tenancy signed · James O · London
0+
Active profiles
£0M
Rent verified
0%
Early warnings acted on
0mo
Avg time tenant → homeowner
ONE PLATFORM · THREE EXPERIENCES

Built for every side of
the property relationship

KNOW BEFORE IT COSTS YOU

Stop reacting to missed payments. Start predicting them.

Credolay monitors every tenant's financial profile in real time and warns you 30–60 days before a payment is likely to be missed. Not after.

  • Early warning alerts before any missed payment
  • Pre-screen applicants with live financial grades
  • Portfolio risk score across all your properties
  • Automatic gas cert, EPC and Right to Rent reminders
  • Verified payment timeline — court-admissible records
PORTFOLIO OVERVIEW
14 Victoria Close, Lagos
Momentum: Building
A
7 Maple Street, London
Momentum: Slipping
C
22 Palm Ave, Abuja
Momentum: Holding
B
Action needed · 7 Maple St
Tenant cash flow declining 3 weeks. Lease renews in 45 days. Act now.
HOW IT WORKS

Financial clarity in under 5 minutes

01
Choose your role
Landlord, tenant, or homeowner. Each gets a different operating view.
02
Connect your data
Rent, bank, mobile money, utilities. We read what already exists — no paperwork.
03
Get your living profile
Momentum, resilience, grade and 90-day forecast — all in plain English.
04
Take action
Early warnings for landlords. Profile growth for tenants. Ongoing financial control for homeowners.
REAL RESULTS

What our users say

"I knew my tenant was struggling two months before she missed a payment. We worked out a plan and kept the tenancy."

M
Marcus O.
Landlord · 3 properties · London

"I had no credit history when I arrived in the UK. Credolay built my profile from rent. Within 8 months I had Grade A and two lenders competing for me."

A
Amara K.
Tenant → Homeowner · Birmingham

"The homeowner view showed me exactly where affordability was tightening before my remortgage review. I fixed the gaps early and kept my options open."

E
Emeka N.
Homeowner · Lagos
GET STARTED FREE

The property market is full
of uncertainty. Your finances
don't have to be.

Join 120,000 people who have turned their financial life into a verified profile that actually works for them.

Free to start · No credit card · Under 5 minutes