Founded in 2013, 4G Capital is a leading African fintech dedicated to empowering micro, small and medium enterprises (MSMEs) in Kenya and Uganda, combining unsecured working capital loans with financial education to drive sustainable business growth and financial inclusion. Its proprietary “touch-tech” model blends fintech innovation with personalised, in-person customer support — leveraging mobile money, AI-backed data-driven underwriting and more than 1,600 field agents across 200+ branches in Kenya and 26 in Uganda — to bridge financial gaps in Africa’s informal sector, where traditional banks demand collateral small traders cannot provide.

The impact numbers are remarkable: 4G Capital has disbursed over $1 billion across 7.6 million loans to more than 791,000 customers, with over 70% of customers being women, a ~95% repayment rate, 87% customer repeat rate, and customers recording business growth of up to 86% within a year. Its work has created an estimated 1.4 million indirect jobs and delivered over $3 billion in economic impact across Kenya and Uganda. Licensed and regulated by the Central Bank of Kenya (as a Digital Credit Provider) and the Uganda Microfinance Regulatory Authority, 4G Capital is also a Certified B Corporation. Recognition includes African Banker Awards Fintech of the Year, pioneering African fintech recognition from the London Stock Exchange Group, ranking among Real Leaders’ top 150 impact firms, B Lab’s Best for the World, and IFC Responsible Digital Innovator. In 2026, IFC selected 4G Capital as a partner for its first Catalytic First Loss Guarantee transactions in Africa, alongside Equity Bank and KCB, and the company is preparing a Series D as it eyes expansion beyond East Africa.