Our Products

Finclusion Group is accelerating financial inclusion in Africa.

We are on a mission to enhance the lives of our customers through simple, convenient, and appropriate financial services.
Our credit-led product offering drives financial inclusion through innovation, integrity, teamwork, and our belief in people.

Earned Wage Access
Earned Wage Access

Employees have access to earned and future wages through an employer distribution model.

SME Finance
SME Finance

We finance the growth of SMEs through secured working capital loans, asset finance, and BNPL solutions for their end-customers.

Transactional Banking
Transactional Banking

Cards, savings accounts, and insurance will be available to customers within our ecosystem.

Our Core Brands

We accelerate financial inclusion in Africa through our core service offering below.
The Finclusion Group offering is pan-African, and meets the needs of our customers wherever they are.


Established in 2012, MediFin is one of Southern Africa’s largest, independent Medical Finance and Financial Service Providers. MediFin is all about enabling everyday South African’s to proceed with their medical procedures if they are unable to immediately cover the costs.


Leveraging the use of technology developed in-house, SmartAdvance delivers innovative and simple financial products, including personal loans and insurance, to enable and empower employers, employees and consumers. SmartAdvance currently services leading African brands in the FMCG, medical services and retail sectors. It is a registered financial services provider.


TrustGro is a lender with a unique approach to credit, focusing on financial education and SMEs in Kenya and Tanzania. With more than 9000 clients contributing to its books, TrustGro aims to create an inclusive ecosystem where people and organisations can access financial solutions that help them meet their desired objectives.


NiftyPay provides inclusive financial services in Sub-Saharan Africa. Our mission is to provide simple, affordable and hassle-free financing. We provide customers with a one-click, Buy Now Pay Later, Subscription and Credit omni channel-platform.


Niftycredit offers personal credit through an online portal, using smart technology, where customers can apply for credit online or through the Niftycredit app within minutes. Our system offers personalised credit based on positive payment behaviour, allowing our customers to get money when they need it on better repayment terms.


This authorised financial services provider offers insurance products and employee benefit solutions for individuals and employers, including funeral cover, commuter cover, credit life and group medical insurance. These services are supported by smart technology to make the application process easy and enable customers to maintain control of their insurance products online

Fikia Finance

Fikia Finance is a lending only financial institution incorporated in Tanzania in the year 2020. The company is a subsidiary of Growth State East Africa whose shareholding includes Growth State Holdings and Finclusion Group. The company has sister operations in Kenya, South Africa, Swaziland, and Namibia.


awamo offers awamo® 360, a mobile banking software tailored for microfinance institutions and SACCOs. awamo® 360 completely digitizes your business with maximum convenience and at minimal cost. You can use any Android® mobile phone or internet-connected PC.

Finclusion Group also makes synergistic investments in its proprietary portfolio.

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