LAVAN Credibility · Credibility OS
Making business credibility measurable, transparent, and actionable.
Many African businesses are creditworthy. They simply can't prove it. Credibility OS turns how a business really operates into a Trust Passport: an assessor-verified record that banks, investors and trading partners can check for themselves.
- 10 assessment domains
- 6 decision scores
- 0–1000 scale
- Human-verified
LAVAN Trust PassportIssued: 05 MAY 2026 · Valid: 05 MAY 2027
✓ LAVANCertified
Sample Trust Passport · Illustrative data · Not a real record
Meridian Agro Processing Ltd
NGLagos, Nigeria · Agro-Processing · Est. 2014
CAC Reg: RC-1042880 · Progressing Tier
Business Credibility Score
720/1000
Progressing Tier · Agro-Processing sector
Readiness scores
- BCS720Business Credibility
- VCS820Verification Confidence
- LRS710Lending Readiness
- ERS680Equity Readiness
- OMS740Operational Maturity
- GIS750Governance Integrity
Assessment domains · 10 evaluated
- Legal & Ownership Integrity96
- Governance & Leadership94
- Financial Reporting Quality91
- Liquidity & Cash Flow61Flagged
- Tax & Statutory Compliance93
- Internal Controls & Risk87
- Operational Process Maturity89
- Commercial Resilience84
- Data Transparency & Evidence Quality92
- Capital & Diligence Readiness86
The credibility gap
Creditworthy, but unable to prove it.
The barrier is rarely the business. It is the absence of a shared language between how African businesses operate and how institutions assess risk.
- 01
No audit trail
Many businesses run without formal financial statements, so a bank-grade assessment cannot even begin.
The application is declined before the business is understood.
- 02
Informal operations
Real revenue moves through channels that leave no record an institution will accept.
Invisible revenue becomes invisible creditworthiness.
- 03
Inconsistent records
What is reported and what can be confirmed do not match: revenue, directors, registrations.
Institutions cannot reconcile the story, so they walk away.
The difference
Assessed once, or assessed again by everyone.
This is not about any one institution. It is what happens to a business's credibility when there is no shared standard behind it.
The governed pathway
From raw business data to institutional trust.
Five stages, each leaving a record of what was done and on what evidence.
Application and intake
The business submits its profile, records and supporting documents through the secure portal.
OutputAn assessment is opened
Assessment and verification
A LAVAN assessor reviews the evidence domain by domain. Every answer records what it was checked against, and by whom.
OutputA reviewed evidence file
Scoring
The scoring engine produces a 0–1000 Business Credibility Score and five further decision scores.
OutputSix decision scores
Passport issuance
A Trust Passport is issued with a verification link, valid for 12 months, and shared at the business’s discretion.
OutputA Trust Passport
Ongoing monitoring
Scores are recomputed when the evidence behind them changes: a document verified, financials updated, a new assessment.
OutputA record that stays current
What a passport tells you
Six scores for six decisions.
A lender, an investor and a buyer are not asking the same question. Every Trust Passport answers each of them separately, built from ten assessed domains.
- BCS
Business Credibility
The headline score, on a 0–1000 scale.
- VCS
Verification Confidence
How far the evidence behind the scores has been verified.
- LRS
Lending Readiness
How ready the business is to engage a lender.
- ERS
Equity Readiness
How ready the business is for an equity investor.
- OMS
Operational Maturity
How mature its day-to-day operations are.
- GIS
Governance Integrity
How sound its ownership, direction and control are.
The ten assessment domains
- Legal & Ownership Integrity
- Governance & Leadership
- Financial Reporting Quality
- Liquidity & Cash Flow
- Tax & Statutory Compliance
- Internal Controls & Risk
- Operational Process Maturity
- Commercial Resilience
- Data Transparency & Evidence Quality
- Capital & Diligence Readiness
Who it serves
One passport. Everyone who has to trust it.
Business owners
Turn how your business really runs into a record institutions understand, and get a roadmap for improving it.
Request an assessmentBanks and lenders
Stop chasing documents that tell half a story. Start from a verified evidence file and a consistent score.
Talk to us about lendingDFIs and investors
One assessment language across markets, sectors and deal sizes, so opportunities can be compared like for like.
Talk to us about deploymentEnterprises and procurement
Before awarding a contract, know whether a supplier can deliver and is likely to be there next year.
Talk to us about suppliersBusinesses extending credit
A customer who has never borrowed has no credit file. If they hold a Trust Passport, you can check it yourself, free.
Verify a passportRegulators and development bodies
A verifiable credibility trail for each business: readable by institutions and open to oversight.
Talk to us about oversightWhat you can check
Judge the method, not the marketing.
LAVAN is new. Rather than ask anyone to take our word for it, we publish how the assessment works and make every certificate checkable by the people who rely on it.
- 10assessment domains
- 102questions in the assessment
- 6decision scores on every passport
- 12months a certificate stays valid
Questions
What it is, and what it is not.
Is LAVAN a bank or a credit bureau?
No. LAVAN does not lend, take deposits, manage investments or give regulated financial advice. A Trust Passport is a credibility assessment, not a guarantee of creditworthiness.
Is the score a prediction?
No. It describes the evidence a business provided and how far that evidence was verified on the day of assessment. It does not predict repayment or returns.
Who can see a business’s information?
The business and the assessors reviewing it. The business decides which institutions it shares its passport with. Anyone shown a passport can confirm it at the public verification page.
How long does a passport last?
A certificate is valid for 12 months and states its issue and expiry dates. Scores are recomputed when the evidence behind them changes.
How do I get access?
Access to Credibility OS is by request. Tell us about your business or institution and we will set up the right kind of account.