Built for Scale.
Driven by Inclusion.
Xodus Capital Finance is a licensed and regulated microfinance institution in Tanzania. By integrating advanced technology with deep local insights, we provide scalable micro-lending solutions that empower communities and stimulate economic growth. Our focus is on women, youth, farmers, and entrepreneurs, driving financial inclusion and economic growth at scale.
The future of finance in Africa won’t be built in or by banks. By partnering with Africa's mobile network operators, we deliver instant AI powered microloans through mobile phones — creating scalable impact and strong returns in the world’s fastest-growing markets.
01
Reaching the Last Mile
We embed our lending directly into mobile networks — enabling customers in cities, towns, and villages to access credit through their phones. No paperwork. No branches. No friction.
02
Small Loans. Big Reach.
A $5 short-term microloan help women restock stalls, farmers buy inputs, youth fund their first businesses and daily family needs. Millions of small actions add up to real economic change.
03
Powered by Smart Credit Scoring Technology
We use technology that Includes, not excludes. With our AI scoring engine tech partners, we assess risk using mobile data — not formal credit histories — enabling us to serve the excluded safely and at scale.
04
Impact That Compounds
With short 30-day loan cycles, capital is reinvested — and with every reinvestment, we reach more people, deepen access, expand economic participation and consistent financial returns.
The Xodus Africa Foundation
To expand our mission beyond lending, we created the Xodus Africa Foundation, a U.S.-based 501(c)(3) nonprofit. While Xodus Capital Finance provides microcredit at scale, the Foundation works alongside us to reach even further — delivering:
