Kuunda
Digital financing for sustainable economic growth.
$2.6B+
loans disbursed to date
$100M+
disbursed monthly
9M+
users reached
Digital financing for sustainable economic growth.
Expand in Africa supports Kuunda's entry into the UEMOA region: opening the right doors with mobile money operators and banks, scoping the regulatory path, and holding the partnership rhythm that turns qualified introductions into signed agreements. Kuunda's team runs the commercial execution — we open access and keep the cadence.
Kuunda — Swahili for "to create" — is a B2B digital Lending-as-a-Service provider founded in 2018. A Pan-African embedded-finance player (also active in Pakistan), Kuunda designs tailored, white-labelled lending products built to reduce the over-indebtedness that often plagues emerging economies — and it identifies, secures and manages the local balance-sheet partners that fund them. The goal isn't to give a loan; it's to give partners' customers the tools to grow their businesses and feel more resilient.
Embedded financing that gives agents, merchants and consumers frictionless, instantaneous access to liquidity at the point of transaction. Dynamic, behavioural credit scoring assigns lending profiles to users who were previously unbanked in the formal sense — turning everyday transaction data into responsible, real-time credit.
Kuunda is the connective tissue in a collaborative partnership ecosystem — processing 4 billion lines of data daily and disbursing and collecting over 500,000 loans a day.
Mobile money operators and platforms bring distribution and the user base — the agents, merchants and consumers who transact every day.
Banks provide the capital and the regulated lending licence. Kuunda finds, secures and manages these financial institutions.
Real-time behavioural scoring, the lending platform (LMS), product design, and automated reconciliation across every partner — with no capex or opex for partners.
Overdraft solutions for instant liquidity — eMoney overdrafts for agent networks and overdrafts for consumers, so users always have the finances they need in the moment.
Working-capital solutions for growth — term loans, stock financing, smartphone financing, revenue & cash advances and fuel credit for small businesses and consumers.
A behavioural credit-scoring and loan-management engine that plugs into partners' existing platforms, scalable across segments, uses and markets.
$7.5M pre-Series A (2025), following seed backing from Accion Venture Lab.