Design and Launch Credit Products — Without a Credit Team.

Factfin helps fintechs, payment platforms, and mobile money operators build smarter lending programs — fast. We bring the strategy, data science, and credit expertise to go from concept to live product.

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About the Founder

Meet Paul Reynolds

Founder & Principal Consultant

I started Factfin after 15 years in lending, mobile money and digital financial services. A decade later, I help fintechs and platforms design credit products that work — combining deep technical insight with a commercial lens. Whether you're starting from scratch or scaling up, I bring a team of experts to help you cut through the noise and build what matters.

Build.

Prototype lending products, design scoring systems, and test your data’s predictive power.

Run.

Operate smarter with ongoing performance insight, risk dashboards, and fractional credit expertise.

Scale.

Take what works to the next level: onboard partners, risk-managed growth, with cost control.

We have worked with clients to produce work we are proud of.

Who we’ve worked with.

Let’s build something smart - and fast.