Credit Africa

Credit Africa

Entrepreneurs

Kobi D WARA

Kobi D WARA

Founder

I'm a patriarch, coach, and steward. I exist to help others thrive in every domain of life, believe in a bigger, better future, and become and achieve more than they ever thought possible. I do this by helping them clarify what they want, develop a plan to get it, and persevere in their pursuit. By “patriarch,” I don’t mean I’m in support of the patriarchy. I mean that I fulfill a variety of roles in my family, and the founder of a family business. “Patriarch” is my shorthand for all those together. The word “matriarch,” too. It’s a way of saying who I am has a generational impact. Here are a few more from my team:

Team

Khayi Loveline Shimbe

Khayi Loveline Shimbe

Business Developer

Executive Board Member (board secretary) /COO/ CMO for CREDIT AFRICA • Co – Founder of SALVATION (Technology & Innovation hub) • Co – Founder of KHANSZA SPRING • Co – Founder of THE ELITE PARENTS CAREER HUB • Country Representative of CORIOILS & ENERGY • Consultant & Pioneer General Manager at MARRIOT METROPOLITAN HOTEL & BISSO HOTEL respectively – Douala/Cameroon • Marketing Manager at AZAM HOTEL Bamenda/Cameroon • Head of Corporate Service and Showroom manager at INSTITUTE OF RESEARCH & TECHNOLOGY (IRTECH) Bamenda/Cameroon • Intern & Short - term Staff as Customer Relations Officer at FIRST TRUST SAVINGS AND LOAN (FTSL) – Bamenda/Cameroon

Dr Mbah Engochan Stella

Dr Mbah Engochan Stella

Financial Director & Advisor & Auditor

Dr. Stella Mbah Engochan is a seasoned finance executive with over 23 years of leadership experience in corporate finance, auditing, taxation, and public sector financial management. She currently serves as the Financial Director of the Cameroon Development Corporation (CDC) one of the largest agro- industrial companies in Central Africa where she oversees financial strategy, risk management, reporting, and stakeholder engagement with the state, banks, and international partners.
DR Matthews (Matts) Tichaona Kunaka

DR Matthews (Matts) Tichaona Kunaka

Technology Advisor & Industrial Expert

Matts was born in Harare and went to Chirodzo Primary School and Harare High School where he was the Headboy. In 1978 he completed a Bachelor of Accountancy (Hons) degree at the University of Zimbabwe.

Teke Kobi Philemon

Teke Kobi Philemon

Dynamic business development strategist and project coordinator

TEKE Kobi Philemon is a dynamic business development strategist and project coordinator with a proven track record in construction, social impact initiatives, and enterprise growth. Over the past decade, he has gained extensive experience in project management, client relationship management, business development, and leadership across both private companies and non-profit organizations.
Njei Walters Ataji

Njei Walters Ataji

CFO

With 17+ years of experience across audit, finance, and compliance, Njei Walters Ataji is a trusted professional in Africa’s financial and development landscape. He has led statutory audits, donor-funded project audits, fraud investigations, and financial advisory services across Cameroon, Chad, DR Congo, CAR, and the wider CEMAC region. His career demonstrates a consistent ability to deliver financial transparency, investor confidence, and sustainable governance across multiple industries — from banking and oil & gas to mining, healthcare, telecommunications, and donor-funded programs.
Abikure Henry Emamoke

Abikure Henry Emamoke

CTO

Abikure Henry Emamoke is a seasoned Technical Product Manager, Solution Architect, and Technology Advisor with over a decade of proven expertise in product development, systems integration, and digital transformation across Fintech, Telecom, SaaS, and Enterprise IT.
Deborah Lesego Glenda Mahura

Deborah Lesego Glenda Mahura

Chief Investment Director

Lesego Glenda Mahura lovingly known by many as Deborah and Director of Lesbeulah Holdings Pty Ltd
$ 0 K

  • Credit Africa has joined FasterCapital's portfolio.
  • We help startups in building their product, increasing sales, entering new markets, finding investors, and writing and preparing their documents.
  • Entrepreneurs can join our main programs; Tech Cofounder, Grow your Startup, Idea to Product, or Raise Capital.

Idea

Credit Africa is a next-generation digital financial service provider designed to revolutionize access to banking across Africa. Built as a total digital core banking solution for microfinance institutions, Credit Africa aims to create a seamless, inclusive, and transformative banking experience for individuals and small businesses that have historically been excluded from traditional financial systems. The company envisions empowering millions through innovative, secure, and easily accessible financial tools that promote entrepreneurship, savings, and long-term economic stability.

Challenge

Credit Africa is tackling key socio-economic challenges that hinder development in Africa — including financial exclusion, poverty, and limited access to credit for women, low-income earners, and micro-entrepreneurs. In many communities, people remain unbanked, unable to save securely or invest in business growth. By bridging the gap between technology and financial access, Credit Africa addresses these systemic barriers, promotes financial literacy, and supports inclusive growth that uplifts vulnerable individuals while contributing to national and regional economic resilience.

Solution

Credit Africa is offering a cloud-based, all-in-one digital banking ecosystem that integrates micro-savings, micro-loans, micro-insurance, mobile payments, and investment tools into a single platform. This fintech solution enables individuals and small enterprises to access credit, manage finances, and perform transactions instantly through mobile phones and online interfaces. With advanced biometric identification, smart loans, and real-time digital services, Credit Africa eliminates the need for physical branches and paperwork, making formal financial participation both efficient and affordable for underserved populations.


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Our Programs

Raise Capital

We help startups raise funds by connecting them with the right investors and providing tailored funding support.

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Large-scale financing solutions for startups and companies with significant growth potential.

Tech Cofounder

We become your technical cofounder, handling product development and offering strategic technical expertise.

Grow your Startup

Scale your business with growth-focused strategies, resources, and partnerships.

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Turn your innovative ideas into fully developed, market-ready products with our expert assistance.

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Comprehensive financing solutions tailored for real estate businesses and startups.

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Explore franchise opportunities and grow your business under a proven business model.

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We help you set up your business in the UAE with tailored solutions, legal support, and market entry strategies.

Credit Africa's News (1)

Credit Africa Joins FasterCapital Equitypilot to Scale Digital Microfinance in Cameroon
13 Oct 2025

Credit Africa Joins FasterCapital Equitypilot to Scale Digital Microfinance in Cameroon

Zambia & Dubai, UAE - Oct 13, 2025 

Credit Africa and FasterCapital today announced a strategic partnership through FasterCapital’s Equitypilot program to accelerate deployment of Credit Africa’s cloud-native digital core for microfinance institutions (MFIs) and community banks across Cameroon and the Central African region. The collaboration provides product development, go-to-market support and capital-raising assistance to scale immediately.

Market opportunity & problem statement

Africa’s microfinance and small-business lending market continues rapid digitization as demand for affordable, mobile-first financial services outstrips legacy banking capacity. MFIs face costly, fragmented core systems, limited digital channels, and manual workflows that hinder efficiency, customer experience and scale. Credit Africa addresses this white space by offering a pre-configured, workflow-driven cloud banking platform that targets low-income consumers and small businesses a segment estimated in the tens of millions across Central and West Africa  where digital transformation can unlock significant financial inclusion gains.

Startup solution & differentiation

Credit Africa (CA) delivers a complete end-to-end, scalable core banking solution tailored to MFIs, microfinance banks, credit unions and cooperatives. CA supports current and savings accounts, microloans, salary-on-demand, mobile loans, remittances, payments, insurance distribution and financial education all via a rules-based engine and omnichannel interfaces. Designed for low-cost implementation, CA enables a single customer view across branches, hubs and digital channels, shortening time-to-market for online and mobile services. Early pilots demonstrate faster loan processing times, improved collections, and higher savings mobilization versus legacy systems, positioning Credit Africa as a defensible alternative to expensive custom core implementations.

FasterCapital partnership value

Through FasterCapital’s Equitypilot program, Credit Africa gains access to global product development resources, mentorship, technical validation, and investor introductions designed to accelerate commercial rollout. FasterCapital’s selective criteria and track record of scaling B2B fintechs provide independent validation of CA’s market fit. The program includes structured milestones for platform hardening, regulatory readiness, and a capital-raising roadmap aimed at supporting Credit Africa’s $10 million five-year growth plan.

Executive quotes

“Hesham Zreik’s investment thesis focuses on founders solving real, regional problems with scalable tech  Credit Africa fits that mandate,” said Hesham Zreik. “Their cloud-first approach to microfinance core systems can materially lower costs and expand access across underserved markets, and Equitypilot will accelerate their path to market leadership.”

“Credit Africa’s mission is to make digital financial services affordable and accessible to low-income families and small businesses,” said Kobi D WARA Credit Africa CEO. “Partnering with FasterCapital gives us the technical muscle, investor network and go-to-market support to rapidly expand in Cameroon and neighboring markets while keeping implementation costs low for MFIs.”

Growth trajectory & future plans

In the next 12–18 months Credit Africa will complete pilot deployments with regional partners, roll out salary-on-demand and mobile loan modules, and expand agent and branch integrations. The firm aims to secure the next funding tranche in 9–12 months to scale sales, customer success and regulatory compliance teams across Central and West Africa, targeting market leadership in the MFI segment within three years.

About Credit Africa

Credit Africa (CA) is a hybrid microfinance and fintech provider delivering a cloud-based core banking solution for MFIs, microfinance banks, credit unions and cooperatives. CA’s mission is to empower low-income individuals and small businesses through affordable digital financial services and financial education.

About FasterCapital

FasterCapital is a global venture builder and online incubator dedicated to co-funding and co-founding innovative startups. Established in 2014, we are now #1 venture builder in terms of number of startups that we have helped, money invested and money raised. It supports startups worldwide through various programs, including funding assistance, business development, and technical support. The Equitypilot program is designed to help early-stage startups build scalable solutions with mentorship, strategic guidance, and network support.

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