Invest in Africa’s Best Growth Opportunities

Invest in Africa’s Best Growth Opportunities

Umoja is a DeFi credit platform that connects global capital to private debt deals powering African enterprise.

Umoja is a DeFi credit platform that connects global capital to private debt deals powering African enterprise.

Learn more

Umoja for Partners

Umoja for Partners

Umoja for Partners

Umoja makes it easy for partners to customize debt funds, raise capital, and invest in private companies.

Partner with us

Manage Risk-Return

Custom structure your deal to suit your risk-return preferences

Access Global Liquidity

Raise more, faster by leveraging Umoja Capital Pools and ecosystem of investors

Streamline Compliance

Umoja accelerates KYC / AML checks and reporting

Deal Terms

Deal Terms

Set deal size, APY rate, repayment frequency and tenor

Set deal size, APY rate, repayment frequency and tenor

Risk Exposure

Risk Exposure

Adjust risk with customizable tranche structuring

Adjust risk with customizable tranche structuring

Invite LPs

Invite LPs

Make deals private or tap into Umoja's investor ecosystem

Make deals private or tap into Umoja's investor ecosystem

Collateralize

Collateralize

Collateralize your credit facility at any stage of loan's maturity

Collateralize your credit facility at any stage of loan's maturity

Deploy capital

Deploy capital

Umoja sends funds in preferred currency to company

Umoja sends funds in preferred currency to company

Umoja for Investors

Access exclusive, high-quality investment opportunities in real companies driving real impact.

Become an investor

High-Quality Yield

Access yield opportunities in thoroughly vetted African businesses

Real-World Impact

Close financing gaps for creditworthy businesses powering real impact

Risk-Adjusted Returns

Evaluate diversified deals and optimize for risk-return

Ready to invest?

Ready to invest?

Institutional investors, Web3 organizations, and angels use Umoja to invest directly in borrowers and diversify exposure across vetted deals.

Institutional investors, Web3 organizations, and angels use Umoja to invest directly in borrowers and diversify exposure across vetted deals.

Borrower Pools

Borrower Pools

Evaluate individual deals and choose exactly the companies you want to invest in

Evaluate individual deals and choose exactly the companies you want to invest in

Lending Pool

Lending Pool

Automated, low-risk senior debt liquidity pool that is diversified across available deals

Automated, low-risk senior debt liquidity pool that is diversified across available deals

Collateral Pool

Collateral Pool

Provide default protection and generate returns on reserve capital

Provide default protection and generate returns on reserve capital

Explore Available Deals

Lipa Later

Africa’s leading buy now, pay later platform with more than $16M in loans originated to over 250,000 customers with operations across 5+ countries.

SELFINA

The pioneer of micro-leasing in Tanzania, having supported over 33,000 women by providing $25M in access to capital across the country.

SimuSolar

Builders, installers, and financiers of greater than $5M in productive solar assets for small farmers, unlocking access to renewable energy for Sub-Saharan Africa.

Umoja for Borrowers

Umoja offers low-cost, flexible financing opportunities with minimal borrower requirements

Become a borrower

Tap Global Liquidity

Access to an ecosystem of global investors

Affordable Capital

Lower the cost of raising your next round

Build Credit Compliance

Build on-chain credit to access better deal term

Need Financing?

Need Financing?

Lending fintechs, microfinance banks, and other MSME financiers use Umoja to access affordable credit lines.

Lending fintechs, microfinance banks, and other MSME financiers use Umoja to access affordable credit lines.

Apply for a loan

Apply for a loan

Provide details about your business and capital needs.

Provide details about your business and capital needs.

Launch your deal room

Launch your deal room

Submit due diligence documents and sign a terms sheet

Submit due diligence documents and sign a terms sheet

Raise Capital

Raise Capital

Raise capital and receive credit facility in preferred currency to fund business operations

Raise capital and receive credit facility in preferred currency to fund business operations

Repay Loan

Repay Loan

Repayments and reporting are made according to terms.

Repayments and reporting are made according to terms.

Our Mission

Democratize access to global credit for African enterprises.

Partner with us