Our Purpose

To Unlock Human Potential for Good

Our Mission

To Grow Business With Capital And Knowledge

Our Vision

The First Choice For Micro Enterprise Growth In Africa

What We Do

We are the Neobank for Africa, powering micro and small business growth to build economies and generational success.

We provide clients the right financial service, the right training and the right digital solution for growth, for good.

We look at their current life and business stage to give them the relevant solutions for their journey.

Market Reach

We operate in 90 locations across Kenya & Uganda with branches in all major towns and market centres.

Accessibility

Disbursements and repayments are via mobile money to provide instant working capital for traders and enterprises.


Credit & Training

We provide 100% unsecured business loans for enterprise growth. Loans are right-sized, risk-based, rate capped and designed to ensure each client increases take-home earnings to grow their business and improve access to vital services.

Our relationship officers walk each client through their 4G Capital journey.

Merchant Finance

Retail Finance

4G Capital works with FMCGs, distributors and other aggregator partners to provide retail credit to their clients through our seamless IT integration.

Boost sales for you and your clients by partnering with us today. You can reach us at contact@4g-capital.com for retail financing opportunities in our East African markets.

Business Training

Business training is delivered through a progressive syllabus designed in partnership with our clients, accessed through digital, phone channels or face-to-face.

Impact

Well used credit creates wealth. Poorly administered credit creates debt-dependency and fuels poverty. Our loans operate within strict affordability limits based on data, and our training helps clients maximise returns from the working capital we provide.

81%
Female Traders Seeking to Provide for family need
82%
Repeat Business
77%
Rural Markets in Agriculture, FCMG, Goods & Services Value Chains
86%
Report Increased Sales
94%
Increased Financial Knowledge
72+
Customer Satisfaction: Net Promoter Score

Client Profile


  • Owner-operators of micro businesses in low income informal markets.
  • $2-5 per day net income but with high buy-at / sell-at margins.
  • Very short business cycles of 1 to 30 days.
  • 81% Female traders seeking to provide for family needs.
  • 77% rural markets in agriculture, FMCG, household goods and service value chains.
  • 40% under 35 years old.
  • Highly entrepreneurial outlook with strong work ethic.
  • Highly resilient and aspirational, seeking a better future for themselves and their families.

Jane Nginyo
Poultry Farmer
Number of 4G Capital loans: 31

Jane has made significant investments in her poultry farm with 4G Capital business loans, growing 500% in size (from 200 to 1000 hens) over 4 years.
She now runs a very profitable business and has saved enough to buy a car to bring eggs to market as well as supporting her children through school.

Mary Wanjiru Maina
Baker
Number of 4G Capital loans: 35

Mary’s bakery began with a wooden spoon and a small charcoal oven, baking only 2 kg of flour a day. With no personal savings to invest in her business, and unable to meet bank requirements for business loans, Mary had no way to expand her bakery to meet local demand. Since becoming a 4G Capital client Mary has invested in a mixing machine, 2 electrical ovens and now bakes 120 kg of flour a day. Suppliers collect her produce daily and distribute to local shops, steadily increasing her customer base.

James Jarembeh
General Shop Trader
Number of 4G Capital loans: 46

4G Capital monthly business loans have enabled James to expand his household goods business from a roadside stall to a market shop. With over 46 repeat loans, James believes the greatest advantage to 4G Capital is ease of instant credit. 4G Capital loans do not require deposits, securities or guarantors, only an on-site assessment with background checks. With a first loan available in only 24 hours, and repeat loans available in under 1 minute, he has been able to access the business credit he needs, on his terms, via his mobile phone using mobile money.

Careers

Recruitment and Training

Your journey with 4G Capital starts here. We offer invaluable skills and training to drive a career in financial services. Regular staff incentives and promotions are offered within our fast-growing business.

At 4G Capital, we believe that autonomy, communication and purpose are the key performance drivers. We equip you with the necessary tools to succeed. We recruit for energy and a positive attitude, and our culture has been developed to serve both client and employees aspirations.

Opportunities

We are currently looking for individuals who believe in our mission and will strive to achieve shared goals and live our values as servant leaders in our communities.

 

Sales and Collection Interns

We are looking for energetic and enthusiastic people seeking a dynamic professional career. The internship programme lasts one month. Upon successful completion interns are offered a full-time contract and deployed to new locations across Kenya and Uganda.

Sales and Collection Requirements
  • • A good level of general education - Diploma or degree preferred
  • • Computer literacy
  • • Education background in Sales, Marketing or Business Administration
  • • Previous internship experience in a financial institution an added advantage
  • • Willingness to work in all regions of Kenya (Kenyan applicants) or Uganda (Ugandan applicants).

Team Leaders

We are hiring Team Leaders to serve in our new markets in Kenya and Uganda. Our leaders are determined and highly motivated young operators who wish to grow their career in a results-oriented and exciting organization with a great culture and long-term prospects.

Team Leader Requirements
  • • 1-2 years of leadership or management experience
  • • Previous experience and understanding of micro finance institutions
  • • A degree in a business-related field
  • • Good leadership and team-working skills
  • • A strong, mission driven and ambitious person who leads by example.

To be part of this exciting team, please send your resume and motivation letter to careers@4g-capital.com. Please remember to indicate your field of interest as the subject header.

4G Capital is an equal opportunities employer committed to supporting diversity and rewarding talent. We do not charge for interviews or recruitment.

We look forward to hearing from you soon.