About Provenance Credit
Provenance Credit builds a verified reliability record for trade-finance manufacturers — from actual shipment, document, and payment history, not a self-reported application.
Founded by Luke Henderson.
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 payment 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
100+
Jurisdictions with business registry document equivalents mapped
Launching in Philippines and Thailand
Principles
Three principles that shape every product and partnership decision we make.
Every claim a manufacturer makes is checked against external sources — government registries, shipping records, and document verification. Nothing is accepted on their word alone.
Every resolved trade — clean or not — adds to a manufacturer's file. Clean shipments, verified documents, and confirmed payment history all add signal. The record gets more meaningful with each additional data point.
A manufacturer's verified record isn't tied to a single financing relationship. It follows them — meaning that verification work done once carries forward rather than being repeated from scratch each time.
The reliability score
The Provenance Credit report separates execution reliability from verification integrity — because conflating them hides information.
Does this manufacturer execute consistently?
Answers whether this manufacturer executes reliably over time — whether commercial behaviour is predictable and consistent across engagements.
How much corroborating evidence exists for what they're claiming?
Answers how much of what this manufacturer presents can be independently corroborated — not an assessment of honesty, a measure of how much verifiable evidence currently exists.
Confidence label
A third output — High, Medium, or Low — reflecting how much verified transaction history underlies each score. The more documented history, the higher the Confidence label.
Get in touch
We'll walk you through how the score works and what it means for your situation — no slides, no pitch deck.