$koum --route /credit --score
// reputation · payment history · on-time delivery · counterparty graph · 0–850 scale
// current score
742/ 850tier B+
up +11 in 30 days · band B (700–759) → B+ (740–799)
factoring eligible up to KES 1.8M at 1.4%/30d
factoring eligible up to KES 1.8M at 1.4%/30d
// 60-day trajectory
w-8681
w-7692
w-6710
w-5718
w-4724
w-3731
w-2736
w-1742
// what counts
on-time delivery96.2% · 142 / 148
payment timelinessDSO 14 days · band: green
counterparty graphdepth 3 · 38 verified peers
dispute rate0.7% · last 90d
border incidents0 in 12 months
cargo damage claims1 (settled)
// what unlocks at A-tier
tier A- (760–789) factoring up to KES 4.2M @ 1.2%/30d fuel-card credit (Vivo · Total) up to KES 280k insurance premium discount 7% tier A (790–819) factoring up to KES 8.0M @ 1.0%/30d invoice discounting via Equity SME GIT premium discount 12% tier A+ (820–850) working-capital line up to KES 14M priority on Northern Corridor anchor loads introductory call with Mario