---
title: "MoneyPhone Africa: Microloan Lender"
description: "Apply for fully digital microloans in Rwanda—seasonal farm/MSME loans with AI scoring, mobile money repay, and disbursement within 5 days."
canonical_url: "https://liners.com/moneyphone-africa"
markdown_url: "https://liners.com/moneyphone-africa.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/moneyphoneafrica/screenshot.webp?v=1787046330113"
published_at: "2026-08-18T15:57:41.475Z"
updated_at: "2026-10-04T03:01:46.804Z"
---

# MoneyPhone Africa: Microloan Lender

Apply for fully digital microloans in Rwanda—seasonal farm/MSME loans with AI scoring, mobile money repay, and disbursement within 5 days.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [MoneyPhone Africa](/moneyphone-africa)

## Summary

Digital microloans for farmers and small businesses in Rwanda

A Rwanda-based non-deposit taking financial institution that provides fully digital microloans for smallholder farmers and small enterprises, with mobile money repayment.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.moneyphoneafrica.com/ |
| Tagline | Digital microloans for farmers and small businesses in Rwanda |
| Primary country | Rwanda |
| Platforms | Web |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

MoneyPhone Africa is a licensed **Non-Deposit Taking Financial Institution (NDFI)** regulated by the **National Bank of Rwanda (BNR)**, providing **fully digital microloans** to smallholder farmers and micro, small, and medium enterprises (MSMEs) who are often excluded from traditional bank credit.

Key capabilities include:
- **100% digital loan lifecycle**, from application to disbursement and repayment, entirely on a phone with no branch visits or paperwork.
- **AI-powered credit scoring** using data such as historical production records rather than traditional collateral.
- **Seasonal loans** timed to harvest cycles, with disbursement typically within **five days**.
- **Mobile money disbursement and repayment**, plus emerging **green finance** products for clean cooking and solar irrigation equipment.

Available on **Web**, designed for **mobile phone access**.

Founded in **2018** as **Money Phone BV**, a **Dutch fintech** led by CEO **Marthe Paauwe** alongside board president **Jan** and COO **Laura**, the company licenses its digital lending technology to microfinance institutions in multiple emerging markets, while **MoneyPhone Africa Ltd** is its directly operated, BNR-licensed lender in Rwanda. It has partnered with **Equity Bank Rwanda** and Dutch NGO **SPARK** on loans for smallholder Irish potato farmers, and reports reaching close to **8,000 farmers** within two years of licensing, with **sub-5% non-performing loans** and over **50% quarterly portfolio growth**.

Target users include **smallholder farmers**, **cooperatives**, **students**, and **local micro-entrepreneurs and MSMEs** in Rwanda, including women, refugees, and youth often excluded from traditional banking.

## Features

- [Fintech](/categories/fintech): Category
- [B2C](/tags/b2c): Product feature or technology
- [Lending and Loans](/tags/lending): Product feature or technology
- [Rwanda](/countries/rwanda): Market

## Related pages

- [Alternatives](/moneyphone-africa/alternatives)
- [Reviews](/moneyphone-africa/reviews)
- [Transparency](/moneyphone-africa/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/moneyphone-africa)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)