Umati Capital

Revolutionizing access to finance to accelerate growth of agri-based SMEs

Umati Capital is a start-up financial services company that aims to revolutionize access to finance through the consistent and innovative use of technology. Launched in September 2012, the founders of Umati Capital firmly believe that access to capital for small-to-medium sized businesses (SMEs) across Africa should be guided by transparent access to information. SMEs want to grow but are constrained by working capital constraints and the lack of collateral for typical bank financing. Umati Capital provides financing that advances the SMEs the amount that is owed to them by their buyers. With cash now, SMEs can now buy more inputs from their suppliers including smallholder farmers, produce more, and sell more. With our financing, our clients have increased their sales by more than 5 times in just one month without the need for physical collateral. Umati Capital has also built an ecosystem to support the growth of SMEs. Besides financing, SMEs need linkages to more buyers, more suppliers, and service providers to support their growth. Umati Capital has partnered with these organizations to support the growth of SMEs. Umati Capital finances SMEs and their sales in agricultural, retail, and fast moving consumer goods value chains. In addition, we finance the SMEs' suppliers downstream from smallholder farmers to farmer cooperatives to input providers. We also build our own technology for quick disbursement and provide branchless financial services to small scale suppliers, trading companies and industrial processors.

Name CEO: Ivan Mbowa
Company founded in: 2012
Country: Kenya
Twitter: @umaticapital
Category: Lending & Financing


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