Pezesha, has created a holistic financial marketplace for MSMEs. By offering lending, financial education, and debt counselling to borrowers, plus a proprietary credit scoring system to vet MSMEs without a credit history, derisking lending to SMEs. Lower Risks bring commercial banks and capital providers onto Pezesha platform. As a collaborative structure, Pezesha is helping to tackle the $19 Billion financing gap for SMEs.

Pezesha is led by a highly experienced and passionate local team with more than 10 years local and international experience in fin-tech, management of growth and technology companies, and unparalleled local market knowledge and reach.

Our Approach to Meaningful Financial Inclusion is Different


Hybrid Approach

Beyond our digital cross platforms, we also partner with agents and trusted existing networks who are embedded in our value chain to drive long term customer relationship, retention and quality on boarding that translates to high repayments.


Our Platform

We offer Lending as a Service (LAAS) and Credit Decisioning as a Service (CDAAS) scalable platform and APIs that are reliable and can integrate with existing systems.


Credit Decisioning

The underserved and informal borrowers are our primary target, and most of them have received credit scores for the first time ever through our Credit Scoring Platform: Patascore.


Financial Education

We offer financial knowledge, skills and debt counselling in order to promote responsible borrowing and Investing to drive long term informed decision making.

Our Values


We ensure quality and consistency in fulfilling our customer and partners’ needs. We test, measure and deliver our customers promises on time and efficiency.


Consistency of actions, honesty, ethical values, principles, expectations and outcomes. Our word is our integrity.


We serve our customers and partners in the spirit of mutual confidence, privacy and trust. We continue to uphold high standards, best practices and consumer protection.

Excellence & Team Work

We support team spirit and personal discipline in all our endeavors. We are dedicated, loyal, and honorable.


We value and build for the future. We challenge ourselves to go over and above the status quo. We strive to raise expectations and break through barriers others deem impossible to breach.

Accountability & Responsibility

We accept responsibility for our actions. We make and support business decisions through experience and good judgement.

Some of Our Partners