The Mission
We are not a bookkeeping app.
Evidara helps business owners turn daily trade into structured, evidence-backed records they control.
The credit gap
$1.4T
Annual unmet demand for SME credit in developing countries.
Formal lenders are not blind to African SMEs. They are priced out of due diligence. The cost of verifying small-business trade history can be higher than the facility being considered.
Evidara reduces review friction by turning daily trade into structured, tiered-evidence records that business owners control.
Africa: ~28% of global SME credit gap
Source: IFC, MSME Finance Gap
The data void
You cannot underwrite what cannot be verified.
Across the continent, real businesses trade every day, receive payments, move stock, extend credit, and settle accounts. But too much of that activity disappears into notebooks, screenshots, memory, and disconnected payment trails.
Evidara turns those signals into a financial record that can travel beyond the shop.
From signal to record
From signal to structured record in 47 seconds.
A sale, a payment confirmation, a receipt, or a stock movement is not enough on its own. Evidara turns each signal into a structured record: who recorded it, when it happened, how it was paid, what proof exists, and whether it reconciles.
Before
Handwritten records, screenshots, and disconnected payment trails.
- — Activity scattered across notebooks and chat threads
- — Proof and payment evidence rarely linked to the entry
- — Outsiders cannot read it without standing in the shop
After
A structured Evidara record with evidence level, proof link, and audit history.
$48.00EcoCash · ref EC-829441
- Recorded by
- Tatenda M.
- Customer
- Walk-in · phone +263 …
- Proof
- SMS confirmation linked
- Stock impact
- −1 unit · reconciled
- — Time-stamped, attributed, and reconciled across rails
- — Proof linked and stamped with its evidence level
- — Prepared for future review without live external sharing
The system
How business activity becomes financial evidence.
Evidara does not ask financial counterparties to trust raw entries. It turns activity into structured records, strengthens them with proof, and shows exactly how much weight each record carries.
- Step 01
Capture
Sales, stock movement, debts, invoices, receipts, payment confirmations, and deposits enter the system.
AI assisted - Step 02
Structure
Each event is time-stamped, attributed, connected to the business profile, and normalized into a financial record.
Owner confirmed - Step 03
Reconcile
Payments, settlements, stock movement, and debt status are checked against each other so the record is not orphaned.
Flagged for review - Step 04
Attach proof
Receipts, payment references, SMS confirmations, deposit slips, invoices, and documents strengthen the record.
Proof linked - Step 05
Report
Businesses can produce lender, supplier, insurer, or auditor-readable summaries with clear evidence levels.
Share approved
Evidence levels
Not every record carries the same weight.
Evidara separates recorded activity from evidenced activity. We do not call something provider verified unless it has been confirmed by an external bank, payment provider, or trusted integration.
Self-recorded
Your record, your claim.
The business owner recorded the activity. It is useful as a starting point, but it is not yet independently supported.
Governance & compliance
Built for trust, governed by design.
Financial infrastructure only works when the rules are clear. Evidara is designed so business owners stay in control, reviewers understand the strength of each record, and every important action leaves a trail.
- Consent-based access
- Business owners control who can view their records. Lenders, suppliers, insurers, auditors, and partners only see what the business chooses to share.
- Human review
- AI can help capture, classify, and flag activity, but the business owner confirms records before they become part of the trusted history.
- Audit trail
- Every edit, proof link, unlink, reconciliation, review action, and report event is preserved with provenance, so disputes can be traced instead of guessed.
- Evidence boundaries
- Evidara shows what is self-recorded, what is proof-backed, what is reconciled, and what is externally verified. We do not blur those lines.
Evidara is being built for consent-led data sharing, record provenance, and responsible financial review across African markets.
From the founder
I built Evidara because too many real businesses trade every day but remain invisible to the systems that decide who gets credit, supply, insurance, and opportunity.
The work is not to make businesses look bigger than they are. The work is to make real activity visible, structured, and reviewable.
— Malcolm Makoni, Founder
Build the record. Reduce the doubt.
For business owners, Evidara turns daily trade into evidence-backed history. Records can support future reviews by accountants, suppliers, funders, or institutions, but sharing and external access are not active unless explicitly enabled in a future reviewed release.
Evidara helps merchants create structured business records. It does not guarantee loans, credit, insurance, supplier terms, tax outcomes, or funding approval. Business details are self-declared unless separately verified by an approved provider in a future reviewed release.