First Circle Capital

Scale accelerates market entry and revenue for fintechs with a people-first approach.

Pumpkn is a fintech company that empowers African enterprises by bridging financial gaps through its innovative platform. It simplifies financial management, reduces financing costs, and offers tailored credit services.

Orca Fraud is a pioneering African technology company that specializes in fraud detection and prevention. It operates an artificial intelligence-driven platform designed to protect both traditional and decentralized financial systems from fraudulent activities. The platform employs an innovative orchestration computing approach, providing clients with access to tools that help them safeguard their businesses.

Credify Africa is a fintech company that provides tailored financing, payments, and logistics solutions.

E-doc Online develops an AI-based platform offering read-only access to bank account data. It enables secure, real-time financial insights without document uploads, helping clients prevent fraud and provide open banking services.

Flow48 is a company that specializes in revenue-based financing, providing businesses with access to capital to support their operations and growth. The platform offers upfront lump-sum investments that businesses can utilize for various purposes, such as investing in inventory or capital expenditures. By doing so, Flow48 helps stabilize cash flow and encourages future revenue generation. The company's model is designed to offer rapid funding solutions along with flexible repayment options, making it an attractive choice for companies seeking to enhance their financial stability and operational efficiency.

MNZL aims to broaden access to capital for Egyptians by transforming owned assets into liquid financial resources. Through an innovative digital platform, it enables asset-backed financing, offering services like home equity investment and low-interest financing.

Balad is an open banking platform that serves migrant communities worldwide. It offers cross-border remittance services, mobile banking apps, and prepaid debit cards to connect migrants abroad with their family members at home.

Estafsar helps connect people with insurance companies and brokers to help them find their next insurance policy. It is an online insurance directory company. It offers personal and business insurance policies through its website and network of independent brokers.

Pennee solves cash flow problems for small businesses starting with credit financing.

WiASSUR offers an insurance brokerage platform. They also provide insurance services such as school insurance,  health insurance, travel insurance, multi risk home insurance, life insurance, transportation insurance, and savings insurance.

WafR is a startup that facilitates loyalty rewards for users shopping at retail stores. Its digital payments platform enables FMCG brands to run promotions in informal retail outlets, helping vendors manage their grocery accounts and increase sales.

WafR is a startup that facilitates loyalty rewards for users shopping at retail stores. Its digital payments platform enables FMCG brands to run promotions in informal retail outlets, helping vendors manage their grocery accounts and increase sales.

Terminal specializes in facilitating eCommerce, logistics, and payments for African entrepreneurs. Its platform offers shipment tracking via mobile app, bulk shipping options, API integration, customizable dashboards, targeted advertising tools, multi-currency payment support, inventory management, local bank transfers, and digital invoicing. This suite of services enables small and medium enterprises (SMEs), e-commerce merchants, and logistics businesses to optimize operations and expand market reach.

CredPal is a financial technology company based in Lagos, Nigeria, founded in 2018 by Fehintolu Olaogun and Olorunfemi Jegede. The company offers a platform that enables both businesses and individuals to purchase goods and services and pay for them in installments at various online and offline merchants. CredPal's solution enhances transparency by allowing users to set up accounts and select payment plans that minimize risk. The platform connects customers with multiple financial institutions, providing convenient access to credit at the point of checkout. This service not only facilitates consumer purchases but also empowers retail businesses to offer on-demand credit to their customers, thereby enhancing the overall shopping experience.

Veend facilitates financial institutions and merchants to seamlessly integrate credit services into their ecosystems profitably and at scale. It offers automated lending infrastructure that connects lenders with borrowers through diverse origination channels, enabling swift and convenient access to credit.

Collect Africa is a mobile app that assists companies in obtaining payments from clients. Their application accepts payments using several online payment options. Their payments to businesses.

Traction Apps is a developer of a financial platform tailored for small businesses, facilitating payment acceptance and management. The platform provides essential tools for monitoring sales, sending invoices, receiving payments, and managing inventory. Additionally, it enables retailers to access financing options for business expansion and operational support. Through these offerings, Traction Apps aims to empower small businesses by streamlining financial processes and enhancing their ability to manage and grow their operations effectively.

Credrails provides infrastructure that unifies bank, mobile money, and offline data through a single API, enabling fintech developers and financial institutions to build interoperable services. The platform supports open banking rails by connecting banks and other financial data sources into one programmable interface, facilitating movement of money across multiple channels and African markets.

Gamp specializes in consumer electronics device protection and support. It offers repair services for smartphones, PCs, and other devices from various manufacturers, arranging pick-ups and drops for post-sale assistance without requiring customers to visit service centers.

Kashier is a payment management platform that provides commerce and retail businesses with tools to streamline invoicing, subscription billing, and online payments. The platform supports professional, customized invoices, regular billing, and subscription payment automation, allowing companies to accept payments from customers, vendors, and partners across multiple payment methods and channels. Designed to adapt to the evolving needs of fast‑growing businesses, Kashier serves both small startups and large enterprises.

WayaMoney is a digital banking platform that specializes in providing payment and money transfer solutions across Africa. The platform enables users to send and receive payments instantly and seamlessly, catering to both individuals and businesses. WayaMoney facilitates a range of services, including payments for utility bills, digital satellite television subscriptions, online purchases, and airline ticket bookings. By offering low-cost money transfers, WayaMoney addresses the needs of an increasingly unbanked population and supports small and medium-sized enterprises engaging in cross-border trade. The company's goal is to simplify payment processes and enhance financial inclusion throughout the continent.

Octamile is an insurtech startup focused on transforming the insurance ecosystem in Africa through digital solutions. The company offers a comprehensive insurance management platform that streamlines the entire insurance value chain, facilitating embedded insurance distribution and automating end-to-end claims processes. By leveraging data and technology, Octamile empowers insurance providers, brokers, agents, and fintech companies to enhance their operations, distribute insurance products more effectively, and develop innovative, data-driven offerings. Additionally, the platform includes features for claims automation, vehicle valuation, and breakdown coverage, simplifying access to financial infrastructure for clients.

MyStash is a fintech company focused on providing a platform designed to assist the African working class and businesses in managing their finances effectively. The application automatically saves a percentage of money each time users earn or spend, promoting subconscious saving habits. This innovative approach allows clients to track their transactions seamlessly while ensuring their savings grow in tandem with their financial activities. By facilitating smarter financial transactions, MyStash aims to enhance the financial well-being of its users.

Yemaachi Biotechnology employs advanced immunogenomics, bioinformatics, and artificial intelligence to expedite the development of cancer detection and treatment strategies, aiming to reduce the economic impact of cancer.

Founded in 2018, Infiuss Health specializes in decentralizing clinical trials. Its platform facilitates remote participant screening, recruitment, engagement, electronic consent, and follow-up.

Dayra is a financial technology company that provides an online platform designed to empower businesses in offering financial services to unbanked gig workers and micro-businesses. By integrating its services through APIs, Dayra enables companies to offer virtual bank accounts, prepaid cards, and access to credit and loans. The company's solutions are aimed at facilitating hassle-free and instant financial services at lower costs compared to traditional lenders, starting with a focus on the Egyptian market. Through its innovative approach, Dayra addresses the financial needs of unbanked individuals, enhancing their access to essential financial resources.

Talk360 is a Dutch-based company specializing in affordable long-distance telecommunication services. It offers an easy-to-use mobile application for both business and private individuals to make international calls to any mobile or landline number, even without an internet connection.