You Distribute Impact. We Finance It.
We finance the solar systems, clean cooking, and productive equipment that transform rural livelihoods—so distributors can focus on sales, and investors can access bankable last-mile credit.
What We Do
Bridging the €3.2 Billion Micro Asset Finance Gap
Sub-Saharan Africa's rural households need financing for productive assets. Traditional lenders won't serve them and PAYGo distributors can't manage credit effectively. We solve both problems.
For Last-Mile Distributors
What we offer
- Full credit separation with in24 handling decisions and servicing
- Fast receivable conversion for healthier cash flow
- Clear SLA terms tied to product quality and repayment milestones
Result: You scale sales. We scale credit. Customers get both.
For Rural Customers
What we provide
- Small loans with attractive payment plans
- Transparent pricing with no hidden fees
- Credit graduation for on-time repayment
Result: Access to finance that builds livelihoods and a credit history.
For Investors & Financial Institutions
What we deliver
- Standardized receivables with transparent performance data
- Proven unit economics and regulated operations
Result: A scalable asset class blending financial returns with measurable impact.
Our Model
A strategy built on partnerships with vetted last mile distributors
- Generate leads; install and service essential assets
- SLA with in24 covering product quality and field support
- No credit operations
- Origination & credit decision
- Proactive credit monitoring
- Sale of aggregated loans
- Licensed financial intermediary
- Buy receivable pools
- Proven credit quality metrics
"We separate sales from credit. Distributors do what they do best. We do what microfinance does best. Investors get what they need: transparent, auditable, rural portfolios."
Our Ambition by 2035
Where in24 is heading next
€250M+
Assets under Management
Serving more than 2 million people and micro-entrepreneurs across Sub-Saharan Africa with productive asset finance.
>20%
Return on Equity
A profitable, well-capitalized lender delivering sustainable returns to investors.
Top 5
Specialized Intermediaries
Among the fastest-growing financial intermediaries dedicated to micro asset finance in Africa.
#1
Innovator in Micro Asset Lending
Recognized for combining impact, transparency, and scalable growth in micro asset-backed lending.