TenM Hub is a proptech and credit startup in Nairobi that I co-founded and ran as CTO. Renters can pay rent and utilities on time for years, yet that record never reaches a lender. We set out to capture it and turn it into credit history.
How TenM turned rent and utility payments into a tenant credit record
What I built
The property management system itself, built end to end, for landlords to manage units, leases, rent and utility billing.
Payment capture that records every rent and utility payment as dated, structured history.
A tenant credit score built from that payment behaviour, giving renters with no bank credit file a record a lender can read.
Results
35 landlords and more than 1,785 tenants on the platform.
An MOU with BlockCoop, a Kenyan cooperative-tech company, to integrate the tenant score.
Took TenM through the Jasiri Talent Investor programme in Kigali, from problem discovery and market research to prototype and launch.
My role
Co-founder and CTO. I owned the product, the architecture and the scoring logic. The same alternative-data approach now powers my work at Amani Solutions.
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Built TenM Hub's property management system for 35 landlords and 1,785+ tenants, and a tenant credit score from rent and utilities.