The credit story your invoices have been writing all along
Your Trust Score is a verified measure of how your business trades — built from real invoices, real acknowledgments, and real settlements on Finvoice. Here is exactly how it works.
Why a Trust Score?
Most Tanzanian businesses are creditworthy — they just can't prove it. Bank statements don't show that you deliver on time, that your buyers pay you, or that you've traded with the same partners for years. Your Trust Score turns that invisible track record into evidence.
What your score is made of
Five factors, all earned through normal trading. No paperwork, no interviews — just the way you already do business.
Settlement reliability
30%Invoices you're involved in getting settled in full and on time — whether you're the one sending or the one paying.
Acknowledged trade volume
25%The value and count of invoices your counterparties confirm. Acknowledgment means both sides agree the trade is real.
Trading history depth
20%How long you've been active on the network. A longer verified history means more evidence behind your score.
Relationship strength
15%Repeat trade with the same partners signals durable, real commercial relationships — not one-off transactions.
Dispute record
10%A clean record of invoices settled without disputes. Open disputes pause scoring on that invoice — they don't punish you while facts are established.
Score tiers and what they unlock
Indicative discount rates on financed invoices by tier. Final rates are always shown before you accept any offer.
Build your first verified history. Invoice free, get acknowledged, settle on time.
Financing unlocks. Early payment on verified invoices at standard rates.
Consistent on-time settlements earn you preferential pricing and higher advance rates.
The network's best rates, fastest approvals, and priority support — earned, not negotiated.
Rates are indicative and set by the financing institutions at the time of each offer. Your exact rate depends on the invoice, the buyer, and your current score.
Built to be earned. Designed to be fair.
Only real trade counts
Both sides of an invoice must be real, registered businesses. Self-dealing and circular invoicing are detected and excluded.
Disputes pause, they don't punish
An invoice under dispute is excluded from scoring until it's resolved. A fair disagreement should never wreck your reputation.
No penalty for not borrowing
Your score measures how you trade, not how much you finance. Businesses that never take financing can still hold an A+.
You can always see why
Your dashboard shows every factor behind your score and what would improve it. No black boxes.
Your reputation. Your data. Your call.
Shared only with your consent
Your score is shared with financing institutions only when you request financing, and with buyers only when you choose to show it.
Right to correct
Spot something wrong? Flag any invoice or settlement record and we'll investigate and correct it, as required by the Personal Data Protection Act, 2022.
Portable by design
Export your verified trading history whenever you want. It's your track record — Finvoice just keeps it honest.
Start writing your credit story today
Every invoice you send on Finvoice is a brick in your reputation. The sooner you start, the sooner it starts paying you back.