SoshoPay Smart payg tech for energy access and financing for Microenterprises

SoshoPay is a Green Lending-as-a-Service platform that enables financial institutions and distributors to safely finance clean energy and productive-use assets for MSMEs in Sub-Saharan Africa. We solve the biggest barrier to adoption—default risk—through AI-powered credit scoring, GSM-enabled IoT devices for usage monitoring and remote switch-off, and mobile money-based repayments. Our platform allows partners to serve high-risk, unbanked customers without building their own tech or risk infrastructure. We’ve financed over 500 MSMEs with $320K in solar systems, cooling appliances, and mobile devices. Our pivot from direct sales to plug-and-play integrations with MFIs and asset distributors has resulted in 30% monthly growth. With 330M MSMEs excluded from formal finance and a $330B credit gap, SoshoPay is building the infrastructure layer for inclusive climate finance—de-risking last-mile lending and turning energy access into a scalable, investable opportunity.