First Circle Capital

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

Pumpkn is a financial technology company focused on enhancing the financial health of small and medium-sized agribusinesses in Africa. By utilizing innovative technologies and data-driven solutions, Pumpkn aims to bridge the financial gap faced by these enterprises, simplifying financial management and reducing the costs associated with acquiring financing. The company provides tailored credit services to empower African entrepreneurs, helping them access the necessary funds to grow their businesses. Through its efforts, Pumpkn seeks to foster a more robust agribusiness sector by facilitating easier access to financial resources.

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 is a financial data connectivity gateway company focused on enhancing access to financial information for underserved groups. The company has developed an artificial intelligence-based platform that provides read-only access to bank account balances, statements, and transactions. This innovative solution allows users to submit their financial data securely, enabling decision-makers to view a comprehensive snapshot of a user's financial history without the need for document uploads. By facilitating an open banking framework, E-Doc Online ensures the delivery of tamper-proof financial data, thereby preventing fraud and offering real-time insights.

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 is focused on enhancing access to capital for individuals in Egypt by leveraging technology to transform asset ownership into liquidity. The company has developed a property technology marketplace platform that enables users to register their homes digitally and access home equity investments. Through its innovative digital solutions, MNZL offers financing options at competitive interest rates and provides a user-friendly dashboard for clients to manage their assets and mortgage options seamlessly. By facilitating easier access to funds based on asset value, MNZL aims to redefine asset-backed financing in Africa and empower individuals to utilize their wealth effectively.

Balad is a financial technology platform focused on serving migrants and their families by providing essential banking services. The platform specializes in facilitating cross-border remittances and offers features such as mobile banking applications and prepaid debit cards. Balad targets the underbanked families of Egyptian migrants, aiming to simplify the digital remittance process while minimizing transaction fees. In addition to remittances, the platform plans to expand its range of financial products, enabling migrants to ensure their families receive timely financial support. Through its innovative approach, Balad seeks to improve financial accessibility for those who face challenges in traditional banking systems.

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 loyalty startup that offers a reward-based platform designed to enhance the shopping experience for users while benefiting retail businesses. The company allows consumers to earn phone recharges through their purchases at participating retail shops. Additionally, WafR provides a mass distribution platform that helps large retailers improve their profit margins. Retailers can utilize the company's application to manage grocery accounts, enabling them to handle transactions and sell goods effectively. By guiding consumer choice and facilitating business dealings, WafR aims to assist its clients in increasing market share, sales volume, and overall profitability.

WafR is a loyalty startup that offers a reward-based platform designed to enhance the shopping experience for users while benefiting retail businesses. The company allows consumers to earn phone recharges through their purchases at participating retail shops. Additionally, WafR provides a mass distribution platform that helps large retailers improve their profit margins. Retailers can utilize the company's application to manage grocery accounts, enabling them to handle transactions and sell goods effectively. By guiding consumer choice and facilitating business dealings, WafR aims to assist its clients in increasing market share, sales volume, and overall profitability.

Terminal Africa is a delivery aggregator platform that facilitates the efficient sending and receiving of products worldwide. By partnering with a range of local and international courier services, the company streamlines the delivery process. When a request is made, Terminal Africa transmits the relevant information directly to the selected delivery partner, allowing both individuals and businesses to execute shipments quickly and effectively. Additionally, the company offers eCommerce, logistics, and payment solutions, aiming to simplify operations for entrepreneurs.

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 is a fintech company that specializes in simplifying the lending process for financial institutions and merchants. It enables the embedding of credit into various ecosystems, allowing for profitable and scalable operations. Veend offers a comprehensive credit infrastructure that automates the lending processes, connecting lenders with borrowers through multiple origination channels, including USSD, web, mobile applications, ATMs, and point-of-sale systems. By facilitating easy and rapid access to credit, Veend enhances the efficiency of lending operations for its clients.

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 is a fintech company that specializes in providing infrastructure for open banking. It connects diverse financial data sources such as banks and mobile money services via a unified API, facilitating seamless money transfers and fostering interoperability within Africa's digital economy.

Gamp is a company specializing in device protection and support services specifically for consumer electronics. It offers convenient post-sale assistance by arranging pick-ups and drops for gadgets, allowing customers to avoid the hassle of visiting service centers. Gamp provides repair services for a wide range of electronic devices, including smartphones and computers, catering to products from several well-known manufacturers.

Kashier is a payment management platform tailored for commerce and retail businesses, offering a comprehensive toolkit to streamline various payment processes. The platform facilitates the creation of professional and customized invoices, automates regular billing and subscription payments, and supports a range of payment methods and channels. Designed to adapt to the dynamic requirements of both small startups and large enterprises, Kashier simplifies the payment experience for businesses, enabling them to efficiently process and accept payments from customers, vendors, and partners.

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 is a company focused on advancing cancer diagnosis and treatment through innovative technology. Utilizing immunogenomics, bioinformatics, and artificial intelligence, Yemaachi aims to enhance the development of effective strategies for cancer detection and treatment. The company's platform is designed to improve patient outcomes and reduce the economic burden associated with cancer care. By combining these advanced technologies, Yemaachi seeks to provide more effective therapeutic solutions for cancer patients.

Infiuss Health is a healthcare technology company founded in 2018 and based in Apapa, Lagos. It specializes in decentralizing clinical trials by offering a remote research platform that facilitates participant screening, recruitment, engagement, e-consent, and follow-up. Infiuss Health operates a two-sided marketplace that connects researchers with eligible participants through a direct-to-patient approach. This model is supported by a robust patient community, allowing for efficient matching of researchers with the right individuals for clinical studies.

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 telecommunications company based in Leusden, the Netherlands, that offers affordable international calling services through its user-friendly mobile application. The app enables both businesses and individuals to make low-cost calls to any mobile and landline number globally, even without an internet connection. Recognizing the need for reliable communication in emerging markets, particularly in Africa, Talk360 aims to enhance accessibility by launching a single checkout platform tailored for the continent. This platform will integrate various local payment methods and currencies, along with over 1.25 million cash points of sale, allowing approximately 500 million Africans to access digital services previously unavailable to them. By bridging communication gaps, Talk360 strives to ensure that everyone, regardless of their background, can engage in affordable and effective communication.