Oye Platform Solutions Banking africa's unbanked boda riders with digital financial services.

Oye is building the bank for Africa’s boda riders, the millions who power the informal economy but sit outside the formal financial system. We reach them through the one thing they buy daily, fuel. Free accident cover embedded in every purchase wins trust, then we layer credit (Songa), insurance, savings and e-bike financing on the same relationship.
FY2025 revenue hit KES 32.6M, up 485 percent, with our first gross profit. We reach 300,000 riders across 260 Total Energies stations, and our Songa lending pilot returned 184 percent on capital at 2 percent bad debt. Our digital credit licence lands this month.
Oye is a lender, and the value is the credit book. We raise a US$500k bridge to scale into 300 stations, a US$2M Series A to build the moat, and a US$5M TLG debt facility scaling toward a US$35 to 40M warehouse, on the path to US$50M by 2027. We are not raising to survive. We are choosing the right partner for a business whose value only moves up