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4G Capital employs almost 1500 employees across Kenya and Uganda. Since its inception in 2013, the company has loaned over 5.3 million small working capital loans valued at over $660 million.
The company has almost 617,000 clients, 72% female, and 65 % run micro and SME enterprises in rural areas. 4G Capital clients receive customized business training programs and credit guidance via mobile apps and in-person via a nationwide network of branches.
4G Capital’s unique machine learning technology delivers high-fidelity insight into client risk and affordability. As a result, 4G Capital consistently achieves high collection rates (94%) without collateral or refinancing its clients, only lending to viable businesses on terms that are right for them.
4G Capital has positively impacted over 4.1 million people. Having received multiple industry awards, 4G Capital is scaling and expanding its products and services in East Africa. As a B Corporation, 4G Capital champions the movement’s approach to creating shared value and was recently listed among the Top 10 B Corporation Financial Service providers worldwide. www.4g-capital.com
4G Capital hits US$1 Billion in Loans Disbursed to African Entrepreneurs
NAIROBI, June 23, 2026 – 4G Capital, the fintech powering small businesses in Africa, today announced a major milestone: more than US$1 billion in loans disbursed to entrepreneurs across Kenya and Uganda. Since 2013, 4G Capital has supported around 800,000 customers through over 7.6 million working capital loans, helping business owners access the finance and business skills they need to grow resilient enterprises, increase incomes, and create jobs within their communities. T
Jun 233 min read
4G Capital Secures Prestigious 2X Challenge Qualification, Confirming Industry Leadership in Gender-Lens Investing and Financial Inclusion for African Women
NAIROBI, KENYA — A strategic investment by the Global Innovation Fund (GIF) has catalysed a landmark international qualification: 4G Capital, East Africa’s leading neobank serving women-led micro-enterprises, has been officially added to the 2X Challenge’s public database of qualified investments, placing it among an elite global cohort that meets the world’s most rigorous standards for women’s economic empowerment. The qualification is a proof of concept: that pairing high-
Jun 232 min read
4G Capital named one of Africa’s Fastest-Growing Companies by the Financial Times
East African fintech ranks 77th in FT’s Africa’s Fastest Growing Companies 2026 list placing 3rd among Kenyan fintechs and financial services firms Nairobi, Kenya, 15 May 2026 – 4G Capital, East Africa’s leading fintech providing financial services to micro and small enterprises (MSEs), has been recognised as one of Africa’s fastest-growing companies by the Financial Times, ranking 77th on the prestigious FT Africa’s Fastest Growing Companies 2026 list. The accolade underscor
May 183 min read
Funding women, strengthening households: closing the gender gap in financial inclusion
By Genevieve Hennessy-Barrett, Director Impact, Co-Founder, 4G Capital Women are the backbone of households and micro-economies across Africa. They manage family budgets, run market stalls, tend to small farms, and power informal trade networks that keep communities functioning. Yet despite carrying this economic weight, women continue to face the steepest barriers to credit, financial training, and access to the formal financial system. This contradiction lies at the heart
May 53 min read
4G Capital Secures Strategic $2M Investment from Global Innovation Fund
4G Capital has secured a $2 million debt investment through GIF Growth. This strategic partnership with the Global Innovation Fund enhances our capacity to deliver ethical credit and business training to the informal economy of micro-enterprises across East Africa. The investment highlights the success of our unique "Touch-Tech" model in delivering sustainable financial inclusion to over 450,000 businesses. Investment Spotlight: This feature and the performance data were auth
Apr 221 min read
From Small Workshop to Thriving Enterprise: Irene Waruguru’s Journey with 4GC
Irene Waruguru, the owner of Paramount Furniture, has grown her business significantly over the past two and a half years, greatly supported by her partnership with 4GC. She was introduced to 4GC by a business colleague who was already a customer. Her first loan of KES 30,000 was processed smoothly within a day, allowing her to invest in her business at a time when she urgently needed capital. With consistency and a clear growth plan, Irene later increased her loan limit to K
Mar 62 min read
From Hawking Masks to a Thriving Beauty and Barber Business
Arnorld Arnold is a young man who started his career as a hospitality professional. He loves cooking and hiking. He was employed in various renowned hotels but still had a conviction that he could thrive in business which compelled him to quit employment in the year 2019. As he was still navigating opportunities to explore, COVID-19 pandemic struck and everything came to a stand still. One day as he was hawking oranges, he stopped by a mask vendor and in a few minutes, he r
Mar 42 min read
4G Capital Crowned 'Best Fintech' at Prestigious African Banker Awards 2025 ABIDJAN, CÔTE D'IVOIRE – June 4, 2025
Wayne Hennessy-Barrett, Founder and Chairman, 4G Capital at the African Bankers Award on May 28, 2025, Abidjan, Côte d'Ivoire 4G...
Jun 7, 20252 min read
A Ride to Freedom: Martin Njuguna's Journey from Boda Boda Rider to Business Owner
The Road Less Traveled: Finding Opportunity in Transportation Five years ago, Martin Njuguna embarked on a journey that, while not his...
May 29, 20253 min read
Felicity Mwendwa: Building Community and Empowering Agriculture with the Jiinue Growth Program
From Seeds of Hope to a Flourishing Enterprise Embedded in the North Eastern region of Kenya, Felicity Mwendwa, the Founder and Managing...
May 26, 20253 min read
Why Fair Tax Policy Matters: Julian Mitchell on Powering Kenya's Informal Sector
Julian Mitchell, CEO of 4G Capital, recently delivered a compelling speech addressing the critical intersection of tax policy and...
May 19, 20251 min read
From Employee to Entrepreneur: Kyalo’s Tailoring Business Success with 4G Capital
Kyalo is a proud father of 2 daughters, his hobbies include travelling, reading books and keeping tabs with current affairs. Fathering...
Mar 10, 20253 min read
Innovative Financing for Inclusive Credit Fintechs in Africa
In a significant move to explore innovative financing strategies for reaching inclusive Credit Fintechs in Africa, particularly those...
Jan 23, 20251 min read
4G Capital / HerVenture Pilot Case Study - Bancy
Bancy, a young mother of two, owns an electronics shop and a mobile money agency in a peri-urban town just outside Nairobi. In 2017, she...
Oct 23, 20242 min read
4G Capital / HerVenture Pilot Case Study - Joan
Joan is a cheerful young woman who owns a mobile money agency plus services from 4 different banks in a peri-urban town just outside...
Oct 23, 20242 min read
September 16, 2024: "Julian Mitchell takes CEO role at 4G Capital, focusing on regional expansion" – FF News
Julian Mitchell Appointed CEO at 4G Capital – September 16, 2024 https://www.4g-capital.com/post/julian-mitchell-appointed-ceo-at-4g-cap...
Sep 16, 20241 min read
Julian Mitchell appointed CEO at 4G Capital
16 September 2024: Nairobi, Kenya: 4G Capital, have appointed Julian Mitchell CEO, effective Monday 16 September 2024 . Julian will be...
Sep 16, 20244 min read
Vision Beyond Limits: George Gaya's Journey to Success
30 year old George Gaya is the 2nd child in a family of 3 boys. Gaya is the true definition of an industrious, diligent and dedicated...
Aug 16, 20243 min read
Mary Mwangi - Customer Care Manager
I began my career as a customer care agent at a digital provider store, where my role primarily involved supporting customers over the...
Jul 26, 20242 min read
Eric Munjiru-Level (3 ) Systems Support
My journey at 4G Capital has been nothing short of incredible. It all started in 2016 when I joined as an intern, eager to make a...
Jul 25, 20242 min read
Mary story
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