Overview
4G Capital is Kenya’s award-winning neobank specializing in providing working capital loans and enterprise training to micro and small businesses across East Africa. Founded in 2013, the company operates as a Certified B Corporation, combining financial services with social impact to support sustainable business growth in underserved markets.
The platform serves micro-entrepreneurs, small business owners, market vendors, and informal sector businesses seeking access to formal credit without traditional collateral requirements. 4G Capital targets businesses typically excluded from mainstream banking, offering loans ranging from KES 5,000 to KES 3,000,000. The company uses proprietary machine learning technology for credit assessment and provides enterprise training alongside capital. Users benefit from collateral-free loans, flexible repayment terms, and business development support designed to foster sustainable growth and financial inclusion across Kenya and Uganda.
Key Features
Collateral-Free Loans
Working capital loans from KES 5,000 to KES 3,000,000
Mobile Money Integration
Seamless disbursement and repayment via M-Pesa
Enterprise Training
Free business development and financial literacy programs
AI-Powered Assessment
Machine learning credit scoring without traditional requirements
Flexible Repayment
Daily, weekly, or monthly payment options
Pros
- No collateral or guarantors required
- Fast loan approval (24-48 hours)
- Free enterprise training included
- Mobile money integration for convenience
- B Corp certification ensures social impact
Cons
- Limited geographical coverage in Kenya
- Aggressive collection practices reported
- Requires consistent business cash flow
- Limited loan amounts for larger businesses
- High interest rates (18% - 36% monthly)
Security Analysis
Security Features:
- Central Bank Licensing: Licensed and regulated by Central Bank of Kenya as Digital Credit Provider
- Central Bank Licensing: Licensed and regulated by Central Bank of Kenya as Digital Credit Provider
- Data Protection: Compliance with Kenya Data Protection Act and GDPR standards
- Secure Mobile Platform: End-to-end encryption for all mobile transactions and communications
- Risk Assessment: Proprietary AI algorithms for creditworthiness evaluation without invasive data collection
Pricing & Fees
How To Get Started
Download Mobile App
Install 4G Capital app from Google Play Store or App Store and register with valid phone number.
Business Profile Creation
Complete business information including type, location, revenue, operating duration, and business registration details if available.
Documentation Upload
Provide ID copy, business permit (if available), and recent business transaction records for verification.
Credit Assessment
Undergo proprietary AI-powered credit evaluation based on business data and mobile money transaction history.
Loan Offer Review
Receive personalized loan offer with amount, interest rate, and repayment terms based on assessment.
Accept Terms and Conditions
Review loan agreement carefully, accept terms, and confirm repayment schedule and method
Loan Disbursement and Training
Receive funds via M-Pesa within 24-48 hours and access free enterprise training programs.
Final Verdict
4G Capital stands out as a socially responsible lender with strong B Corp credentials and comprehensive business support beyond just capital. The collateral-free model and enterprise training create significant value for micro-businesses. However, high interest rates (18% – 36% APR) make borrowing expensive, though competitive for the informal sector. Excellent choice for small businesses seeking growth capital with mentorship, but borrowers should carefully assess repayment capabilities.
