CloQ provides access to cheaper and easy to reach mobile formal nano-credit to the lower-income and unbanked population. We at CloQ experienced first handedly the impact of financial exclusion. When loan sharks are the only available option, people get into a dangerous debt-fuelled cycle from which it is difficult to escape. CloQ is the affordable and legal alternative for the lower-income and unbanked population. We combine tech innovation with the principles of microcredit to reach the group of clients that is either ignored or exploited. We want to include the low-income population in the formal credit system. We build mutual trust by encouraging people to educate themselves, which allows them to take better financial decisions. By doing that, we aim to build a long-lasting relationship in which our clients improve their own lives and we can provide financial support in that process.