# Qardy

**Canonical:** https://apis.io/providers/qardy/  
**Website:** https://eqardy.com  
**APIs profiled:** 0

Qardy is the first online lending aggregator marketplace in Egypt and the wider MENA region, connecting micro, small, and medium enterprises (MSMEs) with banks and financial institutions for debt financing. Its digital matchmaking platform collects and digitizes business and individual financial data, runs bank-statement and financial-statement analysis, produces credit ratings and predictive profiles, then matches eligible applicants to partner financial institutions by loan amount, industry, and risk rating. Qardy offers business loans (from EGP 50,000), micro-company financing (up to EGP 242,000), small and medium company financing (from EGP 250,000 to over EGP 10,000,000), supply chain / invoice financing, leasing, and factoring — free of charge to applicants through a fast, transparent three-step application process.

## Kin Score — 9.4 / 100 (minimal)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 9.4).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 4.8 |
| Commercial Clarity | 17.1 |
| Access Clarity | 17.1 |

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Tags

Company, Financial-Services, Lending, Fintech, SME Financing, Invoice Financing, Supply Chain Financing, Marketplace, Egypt, MENA, Debt Financing

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/qardy/). Scores are computed from the provider's own public artifacts under a published rubric.