For Investors

in24 is a specialized asset finance lender focused on essential assets for last-mile households and entrepreneurs.

Investing in asset finance

Across Africa, millions of households and small entrepreneurs lack access to affordable credit to purchase essential assets that enable income generation and economic resilience. Micro-asset finance addresses this gap by allowing customers to acquire these essential assets while repaying in affordable installments. in24 provides asset finance loans directly to customers purchasing assets from vetted last-mile distributors, applying disciplined microfinance credit practices supported by technology.

A large and underserved market

Demand for renewable energy systems, agricultural equipment and electric mobility is growing rapidly across Africa. Yet access to credit remains limited for many households and small entrepreneurs. Micro-asset finance addresses this gap by allowing customers to acquire assets while spreading payments over time. This creates opportunities for both economic development and sustainable investment.

The in24 model

in24 works with distributors that sell and service assets to last-mile households and small businesses. When financing is required, in24 provides the loan, performs the credit assessment and manages and finances the loan portfolio using disciplined microfinance methodologies supported by technology. This model allows distributors to focus on sales and service while in24 manages responsible lending and portfolio performance.

An experienced team

The in24 leadership team brings decades of experience in microfinance, PAYGo and last-mile distribution across Africa. Through their work at the Micro Asset Finance Lab, the team has supported more than 40 PAYGo companies and microfinance institutions across the continent, combining strong microfinance discipline with practical last-mile operating experience. This experience provides the foundation for building a disciplined and scalable asset finance company.

Impact and financial sustainability

Financing assets allows households and entrepreneurs to increase income, reduce costs and improve resilience. At the same time, diversified portfolios of small loans can provide stable financial returns when managed with strong credit discipline. in24 aims to combine measurable development impact with sustainable financial performance.

Current status

Pilot operations are currently underway in Uganda, with additional pilots planned in Zambia, Malawi, Mozambique and Kenya during 2026.

Contact

If you are interested in learning more about the in24 model or exploring potential investment opportunities, we would welcome a conversation.