Survey-stage credit is one of the few financial products in emerging markets where supply meets verified demand, with the future title itself as collateral. SpatialX is the origination, servicing and risk-management layer that makes it lendable.
Each SpatialX loan funds the cost of converting an informal parcel into a registered, transferable title. Average loan ticket is ~USD 800. Average parcel value after titling is USD 5,000–25,000.
That maths gives you a banking-grade LTV with microfinance-grade unit economics — and a platform-managed portfolio you do not have to build origination, KYC, escrow, GPS verification or title custody for.
The Uganda pilot — 500 urban parcels in a single district — is structured to demonstrate the model with maximum lender protection. SpatialX provides a USD 250K First-Loss layer ahead of your senior position.
Community mobilisation, declaration intake, KYC document collection, eligibility screening — all delivered to you as a pre-qualified credit file.
The newly issued title is held in platform escrow with the lender's lien recorded on the deed itself.
Repayment tracking, missed-payment alerts, restructuring workflow, dispute logging — fully integrated with your loan management system via API.
Borrower communication, financial literacy onboarding, group-liability mechanics where culturally appropriate.
Real-time portfolio dashboard with cohort PAR, vintage analysis, geographic concentration and stage-gate alerts.
Local registration, AML compliance, Ministry of Lands integration — done. You inherit a platform already aligned with national land and lending rules.
If you have a mandate that overlaps with financial inclusion, land tenure, secured lending, or African private credit — we have a structured way to deploy with us.
Open a conversation →Tell us about your institution and mandate. Our partnerships team will follow up within two business days.
