Migo

Migo is an embedded lending platform for banks, merchants, fintechs, and telecommunications companies that want to offer credit to consumers and small businesses through their own apps and services.

Key capabilities include:

• API-based integration that lets partners add lending and credit purchase flows inside existing digital channels
• Automated credit decisioning using proprietary machine learning and partner data to assess risk and approve loans in 2–3 minutes
• Support for multiple credit use cases, including microloans, buy-now-pay-later (pay small small), and overdraft facilities
• No-collateral lending designed for underbanked and low-income users who may be excluded by traditional credit bureaus

Available via API and Web.

It fits a B2B and B2C model, serving businesses and digital platforms that want to offer branded credit products to their end customers, while also providing loans directly to individual borrowers.

In Nigeria, it is positioned for fast, collateral-free credit access while partners keep the customer relationship and Migo provides the lending automation backend. The company also operates in Brazil and reports partnerships in Nigeria that include MTN, Interswitch, 9mobile, Flutterwave, Bank of Industry, and Fidelity Bank Plc.