How it works
Jobs create reputation. Reputation creates financial access.
Craft Capital is a marketplace where the marketplace itself is the data-generation mechanism. Every confirmed job strengthens a financial identity that lenders can read.
The Craft Capital loop
Get Job
Receive a request or send a quote for a posted job.
Complete Job
Work through milestones and mark them complete.
Customer Verifies
The customer confirms completion in-app.
Earn Rating
A rating and review is attached to the verified job.
Build Craft Score
Score events are recorded and auditable.
Unlock Capital
Advances, tool financing and growth capital open up.
Complete more jobs build a stronger financial history
Score bands
The Craft Score runs from 300 to 850. It is an internal Craft Capital reputation and financing score — not a Nigerian credit bureau score.
Score events
Every score change is recorded as an auditable event, so you always know why your score moved.
- JOB COMPLETED+6
- FIVE STAR REVIEW+2
- ON TIME REPAYMENT+8
- PROFILE VERIFIED+20
- JOB CANCELLED-3
- DISPUTE LOST-15
- LATE REPAYMENT-12
- REPEAT CUSTOMER+3
- FAST RESPONSE+1
Financing eligibility
Indicative limits for this MVP. Operations can reconfigure every tier from the admin console — nothing is hard-coded into the product.
- 300–499No financing
- 500–599Up to ₦50,000
- 600–649Up to ₦150,000
- 650–699Up to ₦300,000
- 700–749Up to ₦500,000
- 750+Up to ₦1,000,000
Protected payments
Customer funds can be held until milestones or completion are confirmed.
Verified jobs only
A job only counts once the customer confirms, or through another trusted workflow.
Growing limits
Limits increase as verified jobs, transaction volume and repayments accumulate.