Africa's AI-
Powered SME
Lending Platform
We connect MSMEs to working capital —
instantly, fairly, and at scale. No collateral. No hidden fees. Instant credit decisions.
How we do thisPezesha connects the MSME.
Patascore makes the decisioning.
A unified digital ecosystem that bridges the gap between market access and intelligent risk assessment, unlocking scalable, low-risk financing for African SMEs.
Get Working Capital
For MSMEs
Fast, flexible, and stress-free funding designed to keep your cashflow smooth and your business growing.
Power Your Lending
with Patascore
Connect your ecosystem directly to Africa's most robust, API-driven alternative credit infrastructure.
Get StartedElimizaElimiza AI-powered
financial literacy tool
We are doubling down on responsible borrowing and financial health for all customers through Elimiza — our AI-powered financial literacy tool. Delivered via SMS, USSD, and mobile app, Elimiza combines financial education with Patascore's AI credit scoring to help women and MSMEs.
Our PartnersTrusted by Africa's leading lenders
and value chains
Value Proposition pillarsWhat We Bring to the
Partnership
We combine frictionless borrower onboarding with automated credit scoring to give our partners a seamless, low-risk engine for SME lending.
Origination at Scale
9+ years of SME lending. 500,000+ vetted MSMEs in our ecosystem, and $2M+ revolving disbursement per month. Banks tap our value chains without building their own origination infrastructure.
Alternative Scoring
Patascore AI scores borrowers using 300M+ alternative data points — mobile money, bank statements, supply chain activity. Result: real-time credit decisions with <3% long-term default rate.
Co-creation Capability
We build together, not just for you. Pezesha combines your distribution network and capital with our AI infrastructure and MSME relationships — delivering a product neither party could build alone.
For Platforms & Distributors
Become an
Embedded Partner
Let your merchants access affordable inventory credit on demand
Learn MoreTestimonialsWhat SMEs say about Pezesha
At Pezesha, we pride ourselves on delivering top-notch financial tools. But don't just take our word for it. Hear what our satisfied users have to say.
Pezesha has been a great partner and has enabled us to develop new products and to also expand our operations to Uganda
I could not access a loan from the banks due to my inability to provide collateral. My Pezesha loans enabled me to expand my business and meet all my running costs. I now own 3 stalls. I have also trained and employed over 10 youths to help them make a living in the metal works and welding sector.
I applied for a Pezesha loan when I was almost closing shop as I could not restock my business. Since taking my first loan with Pezesha, my business has grown two folds. I no longer worry about running out of stock because Pezesha loans are disbursed in a timely manner.
Pezesha has been helpful to me at a time when I needed funds for restocking. My profit margins have increased because I no longer buy from my suppliers on credit, but with cash and attracts discounts all the time. Thanks to Pezesha’s Financial Education modules, I am now equipped with knowledge to run my business
It has been a pleasure working with Pezesha for the time we have been on this journey together. Their loan application process to our merchants is seamless. Pezesha services also don’t have any hidden charges and the loans are provided at affordable interest rates for our merchants
