Sell on credit.
Get paid on time.
Scolo helps Nigerian businesses verify customers, issue credit with more confidence, and keep repayment activity visible in a single flow.
No app download. Works on any phone.
Live workflow
Merchant command center
Verified customers
128
Due this week
₦1.8M
Trust decisions
GO / CAUTION / NO
Team access
Owner + staff
Credit request: Ade Stores
Bank-backed analysis returned a green light with stable repayment behavior.
History
12 months
Signals
Stable inflow
Next step
Issue credit
What Scolo Does
Landing visuals, product-grade workflow.
The public site and the app now speak the same design language: bright lime actions, strong dark surfaces, rounded utility cards, and a lighter, faster dashboard rhythm.
Credit verification
Check if a customer pays back before you release goods. Results land inside WhatsApp with clear GO, CAUTION, or NO guidance.
Repayment visibility
Track open credit and upcoming due dates in one place so your team can stay ahead of late payments.
Owner and staff workflows
Give your team access, manage limits, and keep the whole operation aligned without changing how you already work.
The Problem
Selling on credit without knowing who actually pays back.
Who It's For
Built for businesses that already sell on trust.
Distributors
Screen new retailers before extending credit across territories.
Retailers
Stay on top of regular customers who buy now and settle later.
Wholesale teams
Give sales reps controlled access without losing oversight.
The reminders changed everything. My customers pay earlier now because the follow-up happens before the excuse.
Retailer, Abuja
Start Now
Protect your cash flow with a sharper workflow.
Register your business, bring your team into the dashboard, and move credit decisions into a cleaner, faster operating system.