Working capital for mobile money agents
What we do
We lend working capital to mobile money agents so they can keep serving their customers and their communities can keep paying and getting paid.
How it works
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Field Underwriting
Direct Disbursement
Seamless Repayment
Moko's representatives meet agents in the field to underwrite them. Once approved, everything is set to run through the digital channels you already use.
Working capital is disbursed directly to your Orange Money or Wave account. No cash handles, no office visits, and no unnecessary friction.
Repay capital from the same account as the flow returns. We encourage partial payments to keep costs low and ensure your business stays moving.
Moko is built by fintech operators and fund managers with decades of experience in African credit and mobile money.
We have structured and managed debt for fintechs across the continent.
For agents
When agents run out, they have to turn people away. We lend so they don't have to. They get the funds when they need them and repay from the same account when the flow comes back—fast in, fast out, so costs stay down and their neighbourhood keeps moving.