Sell on creditwithout sellingon trust.
Nous scores the buyer in seconds, writes the contract, and collects every payment.
- 0 sec
- to approve a buyer at the counter
- 0
- shops the average stacker borrows from
- 0
- printers needed to sign a contract
Approve
Dilnoza Karimova
+998 90 123 45 67
Nous score
out of 100
- Identity100
- Network exposure82
- Payment history100
- Capacity73
- Stability68
- Perfect repayment record on the network
- 1 active plan, 1 merchant
- Obligations at 8% of estimated income
18 mln
Max ticket
15%
Min down
Nasiya moves most of what Uzbekistan buys above a million som.
The selling is modern. The bookkeeping is a notebook, a photocopier and the owner's phone.
- 01
You cannot see what they already owe
One buyer can open four plans on one street in an afternoon. Nobody finds out until month three, when all four go quiet.
- 02
Collections eat the owner's week
Every reminder is a call the owner makes personally. Nothing gets logged, nothing escalates, and the awkward ones get skipped.
- 03
Cash flow is a guess
Ask a shop owner what is due next week and you get a shrug and a notebook.
- 04
Bank BNPL is not built for you
The big platforms sign chains, take the customer relationship and a heavy cut. The ten-person shop gets nothing.
Every shop in Uzbekistan is already a lender. Almost none of them have the tools of one.
Four steps, one afternoon to set up.
Nous replaces the notebook, the spreadsheet, the reminder calls and the photocopier with one screen a seller learns in ten minutes.
- Check
- Structure
- Sign
- Collect
- 01
Check
Type a PINFL and a phone number. You get a score, every plan that buyer holds across the network, and the ticket and down payment you should accept.
- 02
Structure
Set price, down payment, term and markup. The schedule, the real effective rate and an affordability warning come back as you move the sliders.
- 03
Sign
The contract fills itself from the plan and gets signed at the counter with an SMS code. Passport scans and the schedule are stored against the customer.
- 04
Collect
Telegram and SMS reminders go out on schedule. Buyers pay through a link, cash is recorded in two taps, and overdue plans escalate on their own.
Everything the shop needs.
Flat markup, down payments, cash at the counter, Telegram over email. The things nasiya actually runs on.
A score built for this market
Plan stacking across merchants, repayment behaviour, obligations against income, document validity. Most buyers here have no credit bureau file, so we stopped asking for one.
Collections that run themselves
A reminder ladder nobody has to remember, on the channel buyers actually read.
The network sharpens as it grows
Every shop contributes plan outcomes anonymously and sees aggregate exposure back. Stacking gets harder for everyone.
Contracts without a printer
Uzbek-law templates, filled from the plan, signed by OTP, stored with the passport scan.
One screen for the whole book
Due this week, collected, overdue aged into buckets, and the repayment curve by cohort.
The same shop, three months in.
Nothing about the business changes except what the owner can see and what stops being their job.
Today
- Approving a buyer
- A phone call to a cousin
- Buyers stacking plans
- Invisible
- Reminders
- When someone remembers
- What is due this week
- A notebook
- The contract
- Handwritten, one copy
With Nous
- Approving a buyer
- 20 seconds
- Buyers stacking plans
- Blocked at the counter
- Reminders
- Every plan, every cycle
- What is due this week
- One screen
- The contract
- Signed and searchable
Modelled from pilot interviews with Tashkent retailers. Not audited results.
Priced for a shop, not a bank.
Start free on your real plans. Pay when Nous is carrying the portfolio.
Starter
Freeforever
A single shop testing Nous on real customers
- Up to 30 active plans
- 10 risk checks per month
- Schedules and payment tracking
- Telegram reminders
Business
390 000/ month
The working shop with one or two branches
- Unlimited active plans
- 150 risk checks per month
- Contracts with OTP signing
- Telegram and SMS reminder ladder
Network
1 200 000/ month
Chains and distributors running installments at scale
- Everything in Business
- Unlimited checks and users
- Custom scorecard tuned on your book
- REST API and 1C sync
What shop owners ask first.
Does Nous lend the money?
No. The shop keeps its own capital, its own margin and its own customer. Nous is the software layer that decides who is safe to sell to and then runs the plan. We are not a lender and we never take the receivable onto a balance sheet.
Where does the score come from?
Three sources. The plan outcomes merchants on Nous contribute about their own customers, the document and identity checks we run at the counter, and signals the buyer consents to share. A buyer with no file is scored as a thin file and gets a conservative limit rather than a refusal.
Is sharing customer data between shops legal?
Merchants see aggregate exposure, meaning how many active plans and what repayment behaviour. They never see another shop's customer records or contract terms. Buyers consent to the check at the counter the same way they do for any installment application. Our data handling follows Uzbekistan's personal data law, and we are building toward a formal credit information arrangement as we scale.
What if the buyer has no smartphone?
Reminders fall back to SMS and then to a call task for the shop. Cash payments are recorded by the cashier in two taps, so the schedule stays accurate whether or not the buyer ever opens an app.
How long does setup take?
An afternoon. Import existing plans from a spreadsheet or photographs of the notebook, connect Telegram, and your first check works the same day. We do the import with you on Business and Network.
What happens to my data if we stop using Nous?
You export everything, any time, including after you cancel. Customers, plans, schedules, signed contracts and payment history, as spreadsheets and PDFs.
Get Nous into your shop.
We onboard in small cohorts and import your existing plans with you. Tell us what you sell and we come back with a date.
Or message us on Telegram.