About Provenance Credit
Provenance Credit gives lenders a verified track record before they underwrite — built from a manufacturer's actual shipment, document, and repayment history, not a self-reported application.
The problem
Industry estimates suggest roughly 1% of global trade — tens of billions of dollars annually — may be exposed to document fraud (ICC / MonetaGo, 2020). A significant share of that is thought to be document-based: forged bills of lading, inflated invoices, phantom shipments, double-pledged inventory.
Banks, buyers, and insurers have tried to solve this with more due diligence, more document checks, more manual review. It doesn't work. Documents can be forged. Reviews can be fooled. Manual checks don't scale.
Provenance Credit's approach is to build a manufacturer's track record from real trade and repayment outcomes over time — a signal that's harder to fabricate than a one-time application, and gets stronger with every resolved deal.
~1%
Of global trade exposed to document fraud
ICC / MonetaGo, 2020
300–500
Validated outcomes we're building toward
Our threshold for a statistically defensible score
Principles
Three principles that shape every product and partnership decision we make.
The Provenance Credit Score is designed to give lenders a signal they can actually underwrite against — a documented track record, not a one-time self-reported application.
Every resolved trade — clean or not — strengthens a manufacturer's record. Clean shipments, verified documents, and confirmed buyer relationships all add signal. Lenders who fund early help build a track record that benefits every lender who comes after.
Provenance Credit never originates, funds, or holds loans. You underwrite on your own terms using your own process and risk appetite. We're structurally outside the transaction.
For lenders
Provenance Credit sits upstream of your credit process — not inside it.
01
You receive a manufacturer already KYB-verified, with a documented trade and compliance history built from independent data sources — not self-reported.
02
We don't originate, fund, or touch the loan. You decide, using your own credit process, your own risk appetite, and your own documentation requirements.
03
If you fund the loan, the resolved outcome feeds back into that manufacturer's record — strengthening the signal for the next lender who sees them.
Get in touch
We'll walk you through how the score works, how the referral structure works, and answer questions directly — no slides, no pitch deck.