top of page
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.
4G Capital partners with IFC to expand financing for Kenya’s micro and small businesses
Nairobi, Kenya, 5th August 2026 – 4G Capital has entered a new partnership with IFC under the Catalytic First Loss Guarantee (CFLG) Program, helping unlock a new pathway to finance for Kenya’s micro and small businesses, including women-owned enterprises. The partnership forms part of IFC’s first CFLG transactions in Africa, alongside Equity Bank Kenya and KCB Bank Kenya Limited. Together, the three transactions are expected to catalyze approximately $144.4 million equivalent
Aug 54 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
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 Capital, a leading financial technology company dedicated to empowering micro and small enterprises (MSEs) in Africa, is proud to announce it has been named 'Best Fintech' at the highly anticipated African Banker Awards 2025. The prestigious ceremony took place on May 28, 2025, in Abidjan, Côte d'Ivoire, bringing together Africa's financial elite.
Jun 7, 20252 min read
Why Fair Tax Policy Matters: Julian Mitchell on Powering Kenya's Informal Sector
b Supporting MSMEs as Economic Drivers: 4G Capital provides crucial working capital to micro and small enterprises, including traders, "mama mbogas," and "boda riders," who power the Kenyan economy but often lack access to mainstream finance. The company has disbursed hundreds of millions of dollars, trained hundreds of thousands of customers, and significantly contributed to job creation, with approximately 70% of its customers being women. Impact of Tax Uncertainty Tax unce
May 19, 20251 min read
Innovative Financing for Inclusive Credit Fintechs in Africa
A dedicated vendor organizes fresh produce at a roadside market, embodying the community-driven spirit of the customers we serve. 4G Capital’s has been featured as an inclusive Credit Fintech, highlighting some of the challenges experienced by unsecured lending platforms working with thin-filed entrepreneurs. Despite these challenges, we have leveraged technology to develop advanced credit assessment models, enhance technical capacity, and deliver innovative lending solutions
Jan 23, 20251 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-capital This press release details Julian Mitchell's appointment as CEO, effective September 16, 2024, his collaboration with Founder Wayne Hennessy-Barrett, and 4G Capital's role in powering micro and small business growth in Kenya and Uganda, having delivered over $552 million in loans to date. 4G Capital In The News: September 16, 2024: "Juli
Sep 16, 20241 min read
Helping small businesses access finance.
African businesses need working capital to enable them scale across the world, but in the same vein of pursuing those opportunities and transitioning to a clean economy. We have the opportunity to avoid the unsustainable high tax and high spend social models of the industrialized world which are susceptible to crash, soaring unemployment and suffocation of the spirit of enterprise.” Those are the words of Wayne-Hennessy-Barret, The founder and chief executive officer of 4G Ca
Jun 24, 20245 min read
How Financial Institutions Can Help Mitigate Climate Risks
Top executives from banks and other financial institutions gathered at Capital Club East Africa in Nairobi this week to discuss the way forward for climate finance, at an exclusive event hosted by The Kenyan Wall Street in collaboration with CIB Group and 4G Capital on the sidelines of the AfDB Annual Meetings in Nairobi. Stakeholders in the finance sector agree that they have a monumental responsibility to ensure that ambitious but necessary projects meant to alleviate the e
Jun 3, 20244 min read
Empowering dreams with RefuSHE
In collaboration with RefuSHE, 4G Capital proudly supports inspiring entrepreneurs like Beatrice on their journey to success. Beatrice, a...
Dec 6, 20231 min read
Bridging Africa’s finance gap big opportunity for ‘in-touch’ entrepreneurs
Financial inclusion efforts across the industry have genuinely transformed millions of lives Traditional financial institutions have typically been less nimble and slower to adapt resources to meet ‘last mile’ customers. 4G Capital augments technology with human resources and tackle the root cause to business and finance failures Microfinance has been hailed as a critical cog in Africa’s development. The continent, whose population is projected to almost double by 2050, is fe
Aug 7, 20235 min read
Promoting Sustainable Development through ESG-Aligned Lending Practices
Recently, Genevieve Hennessy-Barrett, the co-founder of 4G Capital, sat down with the Kenyan Wall street and shared insights on promoting sustainable development through ESG (Environmental, Social, and Governance) aligned lending practices. Genevieve has been at the forefront of driving positive change within the financial sector. Her expertise and leadership in this area have earned her recognition and admiration from peers and industry experts alike. In the conversation, sh
Jul 6, 20231 min read
Mary story
bottom of page