Building a new asset class

in24 believes access to micro-asset finance can become scalable, investable and commercially sustainable. We finance essential household and productive assets for underserved customers through partnerships with last-mile distributors.

Why Now

A market ready for scale

Millions of customers across Africa remain excluded from financing for essential assets. At the same time:

Distributors

often lack capital to grow

Lenders

struggle at small ticket sizes

Investors

are looking for scalable deployment models

in24 was created to bridge this gap.

Why in24

What sets us apart

Low-cost lending architecture

We operate without branches and minimise field operations through embedded origination, digital workflows and central portfolio management. This enables financing of smaller tickets at scale.

Proven credit, enhanced by data

Our credit model combines decades of proven microfinance practices with proprietary data and AI-supported decision tools to continuously improve customer selection and portfolio quality.

Aligned with distributor economics

Distributors maintain skin in the game through sales and service, while in24 focuses on financing and portfolio quality. Multiple partners per market diversify risk.

Compounding growth

Every new distributor expands customer access. Every customer builds repayment history. Distributor growth, portfolio quality and repeat lending reinforce each other.

Capital-light scaling

By structuring capital off balance sheet where possible, we reduce funding intensity, limit FX exposure and let the team focus on portfolio performance.

Early Evidence

2026

in24 started in March-26

Distributor partnerships in the pipeline

98%

Repayment rate

Our Ambition

The leading platform for micro-asset finance in Africa

Build the leading platform for micro-asset finance in Africa while maintaining portfolio quality and affordability. If you are interested in learning more about the in24 model or exploring potential investment opportunities, we would welcome a conversation.