Credit Garden
World's First International Credit Score

Know Your Credit Strength. Plan for Freedom.

Credit Garden brings AI-powered credit intelligence to the Caribbean and the world. One score, calibrated for your country, your economy, your reality. Big up yuh financial future today.

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180+ Countries
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AI Powered
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Caribbean First
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Secure & Private
Financial guidance and credit management

Real financial guidance. AI-powered credit intelligence for every Caribbean citizen.

1.4B+ Adults globally without access to formal credit
70% Of Caribbean adults underserved by traditional credit systems
180+ Countries covered by the World Credit Score model
2x Faster loan approvals using AI-driven credit risk assessment
What We Do

The World's First International Credit Score

Traditional credit scoring was built for America, not for Antigua. Not for Jamaica. Not for Guyana. Credit Garden changes the game with a globally calibrated, AI-powered score that reflects your real financial situation, no matter where you are.

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One Score, Every Country

Our patented methodology adjusts for GDP, minimum wage, inflation, and local economic conditions, giving you a fair and consistent score whether you are in Kingston, Port of Spain, or Port-au-Prince.

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AI-Driven Intelligence

Machine learning models trained on Caribbean and global financial data detect patterns, flag risk, and surface opportunities that traditional scoring methods miss. Livity meet technology.

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Knowledge is Power

Understanding your score is the first step to financial freedom. Credit Garden provides clear, actionable insights so you can build, protect, and grow your credit strength over time.

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Built for the Unbanked

Over 60% of the Caribbean and Latin American population lacks access to formal credit. Credit Garden uses alternative data sources to create scores for the previously invisible, bringing them into the financial system.

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Bank-Grade Security

Your financial data is protected with enterprise-level encryption and strict data governance. We follow international standards to keep your information safe and your score accurate.

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Credit Risk for Lenders

Financial institutions across the Caribbean trust Credit Garden's custom AI credit risk models to make faster, fairer lending decisions, reduce default rates, and expand their customer base responsibly.

"Credit nuh fi be a privilege fi di few. Every man, every woman, every Caribbean pikney deserves to know their Credit Strength and walk toward Financial Freedom."

Adrian Dunkley, Founder and CEO, Credit Garden

Our Services

AI Solutions for Financial Entities

From custom credit risk models to workforce training, Credit Garden delivers the tools Caribbean and global financial institutions need to thrive in the AI era.

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Custom AI Credit Risk Models

We build bespoke machine learning models tailored to your institution's portfolio, market, and regulatory environment. Our models outperform traditional scorecards while remaining fully explainable and compliant.

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World Credit Score Platform

The World's First International Credit Score, calibrated for 180 countries using GDP, economic indicators, and local financial data. Consistent, fair, and globally recognized. One score, every country.

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Credit Risk Assessment

Comprehensive credit risk evaluation for individuals, SMEs, and enterprises. Our AI models analyze payment behavior, alternative data, macroeconomic factors, and more to produce highly accurate risk profiles.

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04

Training in Credit Model Development

Upskill your team with hands-on training in AI credit model development, model validation, regulatory compliance, and responsible AI in lending. Delivered by practitioners with decades of Caribbean finance experience.

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AI Support and Integration

Seamless AI integration into your existing lending platform, core banking system, or credit bureau infrastructure. Our team provides ongoing support, model monitoring, and continuous improvement to keep you ahead.

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Financial Inclusion Strategy

We help institutions develop strategies to reach unbanked and underbanked populations across the Caribbean and Latin America, leveraging alternative data, mobile penetration, and AI to serve the full market.

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How It Works

Your Score in Four Steps

From data to decision in minutes. Credit Garden makes understanding your credit strength simple, transparent, and powerful.

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Enter Your Details

Provide basic financial information including your country, income level, credit history, and existing obligations.

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Country Calibration

Our AI engine adjusts your score for local economic conditions, GDP, minimum wage, and financial infrastructure in your country.

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AI Analysis

Machine learning models process your data against our global credit intelligence database to generate your personalized World Credit Score.

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Your Score Report

Receive a detailed breakdown of your Credit Strength with actionable recommendations to improve your score and unlock financial opportunities.

Caribbean Strong

Built for the Caribbean

Credit Garden was built in Jamaica, for the Caribbean. We cover every island, every economy, every citizen. From the Blue Mountains to the Bocas del Toro.

🇯🇲 Jamaica 🇹🇹 Trinidad & Tobago 🇧🇧 Barbados 🇧🇸 Bahamas 🇬🇾 Guyana 🇭🇹 Haiti 🇦🇬 Antigua & Barbuda 🇱🇨 Saint Lucia 🇬🇩 Grenada 🇰🇳 St. Kitts 🇩🇲 Dominica 🇧🇿 Belize 🇸🇷 Suriname 🇨🇺 Cuba 🇩🇴 Dominican Republic + 165 more
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Jamaica: Financial Reality

Jamaica's S&P credit rating sits at BB with positive outlook. Over 50% of Jamaicans remain underserved by formal credit. Credit Garden fills the gap with scores calibrated to the Jamaican economic reality.

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JAM-DEX Integration Ready

As Jamaica's central bank digital currency (JAM-DEX) expands, Credit Garden is positioned to integrate digital wallet activity as a positive credit signal, opening doors for previously unscored citizens.

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Growing the Financial Garden

Every person who knows their credit score is a seed planted in the garden of financial freedom. We are cultivating a generation of financially empowered Caribbean people. That is the mission. That is the vision.

Insights and Education

Financial Knowledge Hub

View All Articles
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Financial Inclusion March 2025

The Unbanked and Underbanked Crisis Across the Caribbean

Over 70% of Caribbean adults lack full access to credit. We break down the numbers, the barriers, and the AI-powered solutions changing the game.

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AI and Credit March 2025

How AI is Revolutionizing Credit Management in the Caribbean

From alternative data scoring to real-time risk assessment, artificial intelligence is rewriting the rules of credit in emerging markets.

Read more
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Financial Tips February 2025

10 AI-Powered Tips for Financial Management in 2025

Use AI tools to budget smarter, track spending, optimize debt repayment, and build the credit score that unlocks your financial future.

Read more
Ready? Leh we go!

Start Your Journey to Financial Freedom Today

Whether you are an individual seeking your World Credit Score or a financial institution needing AI-powered risk tools, Credit Garden has the solution built for you.

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A proud Maestro AI Labs company