Best FinTech Companies in Nairobi, Kenya
The 242 best FinTech companies in Nairobi, Kenya in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: M Kopa.
Our analysis of 1,006 FinTech companies
$195.5b in tracked funding; 96% of the stack-profiled cohort runs cloud-native; funding activity peaked in 2025.
Ranked: Best FinTech companies in Nairobi
| # | Company | Disclosed funding | Last round | Employees | Founded | Tech stack | Web popularity | Recent signals |
|---|---|---|---|---|---|---|---|---|
| 1 | M Kopa Provider of affordable solar power for households | $241M | 24 mo ago | 2,000 | 2011 | WebflowZohoTikTok Pixel+15 | Top 500k | — |
| 2 | Apollo Agriculture Providing financing, inputs, training, and insurance to empower small-scale farmers | $68M | 1 mo ago | 570 | 2016 | Cart FunctionalitySquarespace CommerceSquarespace+18 | Top 500k | — |
| 3 | NALA Online cross-border remittance platform for individuals | $50M | 23 mo ago | 43 | 2017 | WebflowApple iCloud MailGoogle Workspace+22 | Top 500k | — |
| 4 | Cellulant Payment processing solutions for businesses and merchants | $48M | 97 mo ago | 634 | 2004 | WordPressMySQLPHP+19 | Top 5M | — |
| 5 | African Trade Insurance Agency Provider of investment and credit risk insurance solutions | $25M | 36 mo ago | — | 2001 | WordPressMySQLPHP+19 | Top 50M | — |
| 6 | Mara Online platform for digital wealth learning for cryptocurrency | $23M | 49 mo ago | 136 | 2021 | — | — | — |
| 7 | Umba Provider of digital banking solutions for individuals | $18M | 14 mo ago | 99 | 2011 | SentryZendeskNode.js+18 | Top 5M | 1 job opening |
| 8 | Turaco Provider of online micro-health insurance platform for individuals | $17M | 6 mo ago | 102 | 2018 | WebflowAmazon Web ServicesTypekit+10 | Top 5M | 1 partnership |
| 9 | HAKKI AFRICA Provider of credit scoring passports and financial services for underserved markets | $15M | 9 mo ago | 29 | 2019 | WordPressMySQLPHP+12 | Top 5M | — |
| 10 | WorkPay Cloud-based payroll management solution provider | $14M | 24 mo ago | 69 | 2017 | Webflow EcommerceWebflowMicrosoft Clarity+28 | Top 1M | 1 job opening · 1 partnership · 1 expansion |
| 11 | Zanifu Provider of consumer and business loans | $12M | 8 mo ago | 46 | 2016 | WordPressMySQLPHP+25 | Top 10M | 1 job opening |
| 12 | Lipa Later Online platform for point of sale financing for multi-category products | $12M | 33 mo ago | 150 | 2015 | Node.jsFirebaseAnt Design+8 | Top 10M | — |
| 13 | Asante Financial Services Group Provider of financial services and products to growing businesses in Africa | $8M | 56 mo ago | 40 | 2018 | WordPress Block EditorwpBakeryWordPress+23 | Top 50M | — |
| 14 | Kwara Provider of banking solutions for savings and credit cooperatives | $7M | 41 mo ago | 57 | 2003 | Amazon Web ServicesNetlifyReact+14 | Top 5M | — |
| 15 | Pezesha Online P2P marketplace for working capital loans | $6M | 45 mo ago | 50 | 2016 | Node.jsChart.jsBootstrap+18 | Top 5M | 1 partnership |
| 16 | Kopo Kopo Payment platform to enable acceptance of m-Pesa | $6M | 128 mo ago | 89 | 2010 | Cart FunctionalityWordPressMySQL+24 | Top 5M | — |
| 17 | Lami Provider of a software suite for insurers and underwriters | $6M | 46 mo ago | 56 | 2019 | TypeScriptZone.jsAngular+8 | Top 500k | 1 partnership · 1 expansion |
| 18 | mTek Insurance Services App based insurance solution | $4M | 27 mo ago | 27 | 2019 | WordPress Block EditorBeaver BuilderWordPress+19 | Top 10M | — |
| 19 | Fingo Africa Provider of a digital bank for individuals | $4M | 37 mo ago | 15 | 2020 | Webflowcore-jsjQuery+12 | Top 5M | — |
| 20 | IMF Online platform for invoice factoring | $4M | 53 mo ago | 15 | 2020 | — | — | — |
| 21 | ImaliPay AI-enabled digital financial platform for gig workers | $4M | 50 mo ago | 63 | 2020 | — | — | — |
| 22 | Pariti Provider of an AI-powered platform for talent sourcing and payroll services | $3M | 54 mo ago | 22 | 2019 | SentryNode.jsNextAuth.js+20 | Top 5M | — |
| 23 | Power Financial Wellness Platform offering diversified financial services | $3M | 17 mo ago | 41 | 2019 | WordPressMySQLPHP+26 | Top 10M | 1 partnership |
| 24 | Credrails Open banking aggregation APIs | $2M | 53 mo ago | 3 | 2020 | WebflowAmazon Web Servicescore-js+16 | Top 10M | — |
| 25 | Koa Online savings platform for consumers | $2M | 53 mo ago | 23 | 2020 | — | — | — |
| 26 | Musoni Nairobi-based micro-finance provider. | $2M | 91 mo ago | 290 | 2009 | WordPressMySQLPHP+24 | Top 10M | — |
| 27 | Stax Provider of digital remittance platform for individuals | $2M | 51 mo ago | — | 2011 | — | — | — |
| 28 | Wapi Pay Payment processing solutions to businesses | $2M | 58 mo ago | 6 | 2019 | TypeScriptYouTubeZone.js+14 | Top 10M | — |
| 29 | Kotani Pay AI-backed payroll management platform for gig workers | $2M | 7 mo ago | 19 | 2021 | Proton MailGoogle WorkspaceNode.js+16 | Top 10M | — |
| 30 | Gridless Platform offering Bitcoin mining solutions | $2M | 42 mo ago | — | 2022 | WordPress Block EditorElementorWordPress+24 | Top 10M | — |
| 31 | Paylend Online marketplace for point of sale financing | $2M | 53 mo ago | 5 | 2019 | — | — | — |
| 32 | Asilimia App-based mobile payment platform | $1M | 45 mo ago | 23 | 2017 | — | — | — |
| 33 | Alternative Circle App enabling Financial Institutions to lend capital directly | $1M | 110 mo ago | — | 2016 | — | — | — |
| 34 | INuka Pap Online platform for personal loans | $1M | 116 mo ago | 3 | 2015 | — | — | — |
| 35 | Churpy Provider of account receivables automation and integrated receivables management solutions | $1M | 50 mo ago | 16 | 2020 | — | — | — |
| 36 | Alvin Mobile-based budget management solutions for small businesses | $740K | 53 mo ago | 7 | 2020 | — | — | — |
| 37 | Tulaa Online marketplace for farm loans | $652K | 87 mo ago | 36 | 2016 | — | — | — |
| 38 | Boya Corporate expense management software | $500K | 51 mo ago | 13 | 2021 | SentryNode.jsChart.js+22 | Top 5M | — |
| 39 | Jahazii Loan management platform for SMEs | $400K | 8 mo ago | — | 2023 | — | — | — |
| 40 | Pesabazzar Insurance aggregator | $396K | 122 mo ago | 19 | 2015 | WordPressMySQLPHP+30 | Top 10M | — |
| 41 | Hisa Fractional investment platform for Kenyan and US stocks | $317K | 43 mo ago | 10 | 2020 | PHPparticles.jsLaravel+21 | Top 5M | — |
| 42 | Umati Capital Provider of supply chain financing solutions | $250K | 140 mo ago | 11 | 2012 | — | — | — |
| 43 | FarmDrive Alternative credit scoring platform intended to offer loans to small farmers | $140K | 106 mo ago | — | 2014 | — | — | — |
Top 12 FinTech companies in Nairobi
#1
Series B · Nairobi, Nairobi County · founded 2016 · 570 employees$67.8Mraised▾
Providing financing, inputs, training, and insurance to empower small-scale farmers. This is a technology company focused on revolutionizing farming and fostering sustainable livelihoods. It offers farmers comprehensive support, from seed to sale, including financing solutions and access to quality farming inputs. The company utilizes machine learning credit models to provide instant credit decisions, enabling farmers to purchase essential products through a digital store network. It partners with agrodealers to ensure proximity to farmers and provides agricultural training and insurance to protect investments. The goal is to transform subsistence farming into commercial farming, empowering farmers to scale successful agribusinesses and ensure food security. This is achieved through innovative solutions, redefining investment opportunities and driving positive social impact within the agricultural sector.
- May 2026Series B$2.5M
- Apr 2024Grant (prize money)—
- Nov 2023Series B$10M
- Feb 2022Series B$40M
#2
Series A · Nairobi, Nairobi County · founded 2018 · 102 employees$16.7Mraised▾
Provider of online micro-health insurance platform for individuals It offers microinsurance with low premiums. It also offers claims processing services. It provides microinsurance to low-income earners. It distributes microinsurance through partnerships with businesses.
#3
Series C · Nairobi, Nairobi County · founded 2019 · 29 employees$15.3Mraised▾
Provider of credit scoring passports and financial services for underserved markets. It develops and provides credit scoring passports and related financial technology solutions, primarily for microfinance institutions and small-to-medium-sized financial institutions in developing countries. This includes a credit-as-a-service API enabling cross-border credit passport usage. The company utilizes innovative technology to streamline processes, such as automated repayment recording, resulting in significantly reduced operational costs and lower interest rates. It also offers car financing services leveraging its credit scoring system. The aim is to expand access to fair and efficient financial services for individuals lacking traditional credit histories.
- Aug 2025Conventional Debt$680.4K
- Apr 2025Series C$5.1M
- Feb 2025Series B$12.7M
- Dec 2023Series B$2.2M
#4
Seed · Nairobi, Nairobi County · founded 2016 · 46 employees$12.4Mraised▾
Provider of consumer and business loans
#5
Acquired · Nairobi, Nairobi County · founded 2011 · 99 employees$17.8Mraised▾
Provider of digital banking solutions for individuals. It offers multiple services including savings accounts, money transfers, cash withdrawals, consumer loans, utility bill payments, and more. It provides an app-based platform that is available on Android and iOS devices.
- Apr 2025Venture Debt$5M
- Oct 2024Venture Debt$5M
- Apr 2022Series A$15.5M
- Dec 2020Seed$2M
#6
Series D · Nairobi, Nairobi County · founded 2011 · 2000 employees$240.7Mraised▾
Provider of affordable solar power for households
#7
Series A · Nairobi, Nairobi County · founded 2017 · 43 employees$50.1Mraised▾
Online cross-border remittance platform for individuals. It enables users to send and receive money globally using banking channels. Users must link the debit and credit cards for transferring funds. It features multilingual customer support, recurring transfers, and more. The application is available on Android and iOS platforms.
#8
Seed · Nairobi, Nairobi County · founded 2021 · 19 employees$2Mraised▾
AI-backed payroll management platform for gig workers. It is a technology stack that enables blockchain protocols, dapps, and blockchain fintech companies to integrate seamlessly into local payment channels. It helps provide payments to annotators and other artificial Intelligence workers.
- Oct 2025Seed—
- Sep 2023Seed$2M
- Jan 2022Seed—
- Jun 2021Grant (prize money)—
#9
Seed · Nairobi, Nairobi County · founded 2023$400Kraised▾
Loan management platform for SMEs. It offers a platform that enables users of financial institutions to manage digitizing borrower origination, verification, and analysis. It also offers solutions for financial analysis, compliance management, and more.
- Oct 2025Seed$400K
- Oct 2025Grant (prize money)—
- Oct 2025Conventional Debt—
#10
Seed · Nairobi, Nairobi County · founded 2019 · 41 employees$3Mraised▾
Platform offering diversified financial services. It provides a core banking system and other operational banking solutions to banks, lenders, asset managers, and other enterprises, allowing them to offer their customers banking services. It also provides a platform for consumers to save, borrow, pay, invest, and protect their money through their application, which is available for android devices.
- Dec 2024Seed—
- Feb 2023Seed$3M
#11
Series A · Nairobi, Nairobi County · founded 2017 · 69 employees$13.9Mraised▾
Cloud-based HRMS suite solutions for SMBs.It offers features such as employee attendance tracking, claiming expenses, performance management, an employee self-service portal, payroll administration, time tracking, employee wellness benefits, etc. It is a tool available on the subscription based pricing model.
- Jun 2024Series A$8.8M
- Feb 2023Seed$2.7M
- Aug 2020Seed$2.1M
- Mar 2020Seed$150K
#12
Series B · Nairobi, Nairobi County · founded 2001$24.8Mraised▾
Provider of investment and credit risk insurance solutions. It offers investment insurance, trade credit insurance, surety bonds, and reinsurance to mitigate risks in various sectors. The agency supports infrastructure development and private sector growth by providing financial guarantees and risk mitigation tools. It aims to facilitate trade and investment across the continent. The application process is streamlined, and the agency works with brokers and clients to tailor solutions to specific needs. It also provides investor information and resources to support participation in the market.
Funding & investor landscape
Notable founders
Market landscape — 10 sub-themes by coverage
Share of FinTech coverage by sub-theme.
Regulatory-risk over time rising
Funding & growth over time
funding rising · growth rising
What Nairobi researches in fintech
University of Nairobi leads Nairobi's fintech research, focusing on financial inclusion and digital finance adoption, with a cautiously contested tone reflecting more concerns than breakthroughs.
- University of Nairobi12
Common questions
Rohit lives in the feed. He covers what's moving right now — the funding rounds, launches and shifts breaking across the trade press — and ties them back to where the sector is heading.