A fintech platform that provides working capital loans, business training, and mobile money-based repayment for micro and small enterprises in Africa.
4G Capital Product Overview
Is 4G Capital Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Micro and small businesses
- Working capital borrowers
What It Does Well
- Working capital loans
- Business skills training
Things to Check
- Loan size range
- Repayment schedule options
About 4G Capital
4G Capital is a fintech financial services platform that supports micro and small enterprises with working capital loans, business training, and digital financial solutions across Africa.
Key capabilities include:
- Short-term working capital loans with mobile money disbursement and repayment, designed for day-to-day business needs.
- Customised business and financial literacy training delivered through a touch-tech model that blends digital access with in-person support.
- Credit assessment using proprietary machine learning, used to size loans and support lending decisions.
- Multiple product lines for different use cases, including UPIA (Instant Business Boost), KUZA (Finance For Sales), KAWI (Sustainable returns), and NXTGEN (Partnership for Impact).
Available via Mobile Money for access on feature phones and smartphones (app availability not specified).
Built for micro and small business owners and informal operators who need fast access to credit and practical training to manage cash flow and grow sales.
Notable in the African market for its long-running operations (founded 2013), wide on-the-ground presence in Kenya (200 branches) and Uganda (26 branches), and documented scale of lending, including 6.8 million loans delivered, over 725,000 customers, and $895 million disbursed. It is also a Certified B Corporation (since 2019).
4G Capital Facts
Liners compiles product facts from official websites, app stores, documentation, trusted public sources, and details shared by product teams during editorial review. We also consider crowdsourced updates when they include verifiable evidence, and refresh facts as information changes. How we source dataRecent Reviews for 4G Capital
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4G Capital Funding History
Liners compiles funding history from company announcements, investor records, and trusted reporting. We refresh it as new rounds are confirmed. How we source data4G Capital has raised $30.9M across 7 recorded funding events. The latest was Debt Financing in Feb 2026.
- Total Raised:
- $30.9M
- Latest Round:
- Debt Financing
4G Capital Investors & Funding Rounds
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4G Capital Founders & Leadership Team
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Latest 4G Capital News & Updates
Liners collects product news from official company updates and trusted publications. We refresh coverage as new articles are published. How we source dataFrequently Asked Questions About 4G Capital
4G Capital is a fintech platform providing working capital loans, business training, and digital financial solutions to micro and small enterprises in Africa. It works through a touch-tech approach combining proprietary machine learning for credit assessment with mobile money for instant, unsecured loan disbursement and repayment via feature or smart phones. Loans come with customized training, and repeat loans are available on-demand; access in Kenya by dialing *612# or in Uganda by contacting +256 707 424 213.
4G Capital operates in Kenya and Uganda.
Business owners meeting eligibility criteria (6+ months in operation, valid ID, permanent business, proof of ownership, operating in Kenya or Uganda, registered Safaricom or MTN line) can request a loan by dialing *612# in Kenya or contacting +256 707 424 213 in Uganda. Sign up for an account using the online form at afbkenya.freshdesk.com/support/signup with your full name and email.
4G Capital is best suited for micro and small enterprise owners, informal business operators, and distributors in Africa who buy and sell stock in short cycles and need working capital loans plus business training.
Contact 4G Capital support at contact@4g-capital.com or raising.concerns@4g-capital.com. In Kenya, dial *612#; in Uganda, call +256 707 424 213.
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