4G Capital

We empower micro and small businesses in Sub-Saharan Africa to grow and succeed. This not only means access to credit, but also the skills to use it correctly. It’s why our first product blends loans with financial education. We provide each client with a bespoke programme of business training which enables them to use the credit we provide to positively grow their business. We look at their current life and business stage to give them the relevant information to help them on their journey. Conventional service providers see this as an insurmountable challenge. We see it as an opportunity to utilize data in ever smarter ways. Using our proprietorial machine learning system, we’ve found ways to use data from multiple sources to design credit products at scale which are optimized for segments, business risk, timescale and affordability.

The platform is designed around the customer and is rewarded with high customer satisfaction ratings. We receive a consistent Net Promoter Score above 70 – double the industry average for financial services. Over 80% of our customers are women and 75% are located in rural areas. More than 92% of customers repay on time and over 80% return for repeat business, achieving high and otherwise unreachable growth rates. We are expanding now across Kenya, Rwanda and Uganda, creating a ladder of opportunity for those in most need to realise their aspirations. We’ve proven our blended training and credit service can positively change thousands of lives every day. We seek to deliver the indispensable tools to unlock the potential of a billion-strong opportunity as Africa’s fastest fintech.