4G Capital says it has disbursed over $1B in working capital loans to about 800,000 entrepreneurs in Kenya and Uganda since 2013.
4G Capital announced it has crossed US$1 billion in loans disbursed to entrepreneurs in Kenya and Uganda. The company said the milestone covers activity since 2013, reaching around 800,000 customers via more than 7.6 million working capital loans.
Working capital loans are short-term credit that help a business buy stock, pay suppliers, or cover day-to-day costs before sales come in. 4G Capital says it focuses on small businesses that are often excluded from formal banking.
The company attributes performance to a mix of supply chain financing and business training. Supply chain financing is credit linked to inventory and supplier cycles, like funding stock purchases that can be repaid after sales. The business training is delivered alongside loans.
4G Capital also described its “touch-tech” model, which combines field staff with software. It said it has more than 1,600 field agents across 226 branches in the two countries. The firm uses an AI-powered lending layer, meaning software that uses data patterns to help decide loan size and timing.
This milestone is a data point for digital lending in East Africa, where many micro and small enterprises still rely on informal credit. If the reported 95% repayment rate holds over time, it suggests that lending to thin-file customers can work when underwriting, collections, and customer support are aligned.
4G Capital claims its lending and training have supported the creation of over 1.4 million jobs and generated more than US$3 billion in economic impact. It also says customers can nearly double borrowing capacity within 36 months, and reported average revenue growth of 82% per year among clients.
The company said it is entering a new growth phase and noted recent recognition in the Financial Times Africa’s Fastest Growing Companies 2026 ranking, where it placed third among Kenyan fintech and financial services firms.
Primary Source: 4G Capital Limited
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