Moniepoint Impact Report: $700M Disbursed as First-Time Credit Transforms African MSMEs

Quick Summary

Moniepoint's inaugural Impact Report reveals how African MSME lending is closing the $32.2 billion funding gap. By disbursing over $700 million in 2025, Moniepoint provided first-time formal credit to 75% of its borrowers, driving a 36% increase in average transaction values for small businesses across the continent.

How is Moniepoint Closing the African MSME Lending Gap?

African MSME lending has long been hindered by a lack of formal credit history, leaving a multi-billion dollar deficit in the market. Moniepoint solves this by leveraging a data-driven lending approach that bypasses traditional barriers. In 2025, the company successfully disbursed over $700 million in credit specifically targeted at micro, small, and medium enterprises.

• 75% of borrowers accessed formal business credit for the very first time through the platform.
• Businesses utilizing Moniepoint credit saw a 36% increase in their average transaction value.
• The platform now processes over $250 billion annually in total transaction volume.

What Impact Has Moniepoint Had on Women-Owned Businesses?

Moniepoint is actively empowering women entrepreneurs by providing capital to a demographic often excluded from traditional banking. By 2025, the company increased its lending to women-owned firms by more than 300%, significantly outperforming broader industry benchmarks for inclusive finance.

• 36% of the loan portfolio is now comprised of women-owned businesses.
• 62% of women surveyed reported that Moniepoint provided their first-ever formal business financing.
• The company supports Women in Tech initiatives to build long-term career pathways in the digital economy.

“Our inaugural Impact Report highlights the significant impact of modern fintech infrastructure in expanding financial access across Africa for individuals, businesses, and their customers. For so many of the entrepreneurs we lent to last year, ours was the first formal loan their business had ever received - a reminder of how much untapped potential exists across the continent, unlocked when access to credit is no longer a barrier,” said Tosin Eniolorunda, Co-Founder and Group CEO of Moniepoint Inc.

How Does Fintech Infrastructure Drive Financial Inclusion?

By building a comprehensive financial ecosystem, Moniepoint provides the essential tools required for business growth beyond simple payments. This modern fintech infrastructure includes banking, credit, and business management tools that serve over 20 million individuals and businesses across 10 different countries.

• 3,300 employees support operations across a global footprint.
• The DreamDevs engineering programme creates technical employment pathways for local talent.
• Initiatives in STEM and financial literacy reach tens of thousands of beneficiaries annually.

FF NEWS TAKE:

Moniepoint is doing more than just processing payments; it is proving that African MSME lending is a viable, high-growth sector when powered by the right data. Disbursing $700 million to mostly first-time borrowers is a massive feat that directly addresses the continent's credit drought. This report confirms Moniepoint as the definitive backbone of Nigerian commerce, moving the needle from simple inclusion to genuine economic acceleration.