Grace Ashiru
G 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.
The milestone reflects 4G Capital’s commitment to closing the financing gap for entrepreneurs traditionally excluded from formal financial services. By combining supply chain financing with customised business training, the company has enabled thousands of small businesses to strengthen cash flow, build resilience and unlock growth opportunities.
At the heart of this success is 4G Capital’s proprietary digital financial infrastructure, using its advanced AI-powered lending layer to empower relationship officers through a touch-tech network of more than 1,600 field agents across 226 branches in Kenya and Uganda.
The company’s data-driven lending platform assesses each customer’s business cycle to provide appropriately sized working capital loans while maintaining strong portfolio quality and responsible lending practices. Today, 4G Capital maintains a repayment rate of 95%, demonstrating that financial inclusion and portfolio performance can go hand in hand.
Beyond financing, 4G Capital continues to drive real economic impact across East Africa through embedded business skills training for its clients. The business has contributed to the creation of more than 1.4 million jobs and generated over US$3 billion in economic impact. The majority of customers are women and youth entrepreneurs, with 73% female customers and more than half operating in rural marketplaces where access to formal financial services remains limited.
As customers build successful repayment histories, their access to capital grows alongside their businesses. On average, customers nearly double their borrowing capacity within 36 months, enabling them to invest more confidently in stock, operations, and business expansion, and boosting revenues by an average of 82% per year.
Commenting on the milestone, Wayne Hennessy-Barrett, Founder and Executive Chairman of 4G Capital, said:
“Reaching the US$1 billion lending milestone is a testament to our amazing customers, their determination, resilience, and ambition. This milestone belongs as much to them as it does to our fantastic team.”
The announcement comes as 4G Capital continues its next phase of growth and digital innovation. Earlier this year, the company was recognised in the Financial Times Africa’s Fastest Growing Companies 2026 ranking, placing it 3rd among Kenyan fintech and financial services firms
