What breaks first when a lending business starts to scale
This article walks through where lending businesses typically see strain as they scale, why those issues show up, and how to get ahead of them before they slow you down.
How much capital you need to start lending
This article breaks down what “capital required to start lending” actually looks like in practice.
How to justify software pricing internally to stakeholders
When you justify a software purchase internally, you are not just asking for approval to spend. You are asking the organization to change how part of the business runs.
How do lenders know when to expand to another country?
Before you think about entering a new country, you need to step back and ask a more basic question. Are we actually ready to operate there?
How guarantor structures reduce recovery costs
This article is about how guarantor works and why it matters, particularly for lenders in Africa, where the cost of recovery is disproportionately high.
How to use psychological triggers in your debt collection messages
This article breaks down how to apply specific psychological triggers in your debt collection messages in a way that increases voluntary repayment and preserves long-term customer relationships.
How to spot fake identities before you disburse a loan
This article walks through the mechanics of fake identity fraud, early warning signals, and practical verification measures that lenders across Africa can deploy immediately.
What to consider before expanding your lending product to a new market
This article walks through the real questions lenders should be asking before taking a lending product into a new market.
Why non-financial companies are offering credit products
This article looks at why non-financial companies are offering credit products, how they structure these offerings, and what it means for lenders operating in African markets.
What collateral options exist for SME loans?
This article breaks down the collateral options that actually exist for SME loans in African markets today, focusing on what lenders accept in practice, how these options behave during default, and what trade offs come with each approach.
How do lenders manage abandoned loan applications?
This article walks through how lenders manage abandoned loan applications in real terms. It focuses on what happens after an application stalls, how lenders diagnose the cause, and what systems and decisions help recover value without irritating borrowers or stretching operations teams.
