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Providing uncollaterised credit to underbanked small businesses
GROWING MICRO BUSINESSES IN AFRICA

about osemo borealis

We believe in the democratisation of credit to underbanked businesses. These businesses make up 70% of commerce in frontier markets within Sub Saharan Africa

We are the good bank. This isn’t just how we structured ourselves but also how our customers see us.
We care for our customers 100% - this ethos runs deep across every touchpoint in our customer service

what we do

We provide non-collateral based credit to underbanked small businesses.
We take this a step further by getting our hands dirty in the grunt work of partnering with our customers to maximise growth opportunities our credit provides.

HOW WE DO IT

  • 1

    We meet with our customers directly to understand the challenges that they face within the areas of trade they are in.

  • 2

    We only give out loans to eligible applicants who pass our risk evaluation test.

  • 3

    We collect no collateral and our customers are saved the pain of long paperwork from traditional credit facilities

  • 4

    We offer continuous business advisory and financial literacy. We believe finance given with human capital is a powerful combination

meet some of the people we've helped

2017

>
150
Customers
90%
Given to Women
N30m
Value of loans

2018

>
1000
Customers
90%
Given to Women
N200m
Value of loans

the people behind the mission

ANTHONY UAGBOE
Founder / CEO
- Zenith Bank - Corporate Banking
- Santander Bank UK- Personal Banking.
- Country Manager- Kings and Goodman Ltd
- Country Coordinator - Ducere Foundation Australia 
- MSc Strategy and Economics - Uni of St Andrews Uk.
PETER KIRUI
Director
- Strathmore University - Nairobi, Kenya
- Targit University - Hjorring, Denmark.
- Member - Institute for Management of Information Systems (IMIS).
- Member of Board- INNOVIOR Group 
-Member of Board- Softnet Technologies Ltd.
TELE DAVID OGUNDEKO
Strategy &s; Growth
- Founder, Funema Group
- Greentec Capital Partners GmBH
- Seedstars SA
- Infinite Potentials Consulting GmBH