We are reinventing access
to purchasing debt in Africa
Unfortunately, majority of Africans still don’t have a smartphone to install an app or a computer to apply online, and can’t apply for a loan with a company outside Africa which could perhaps offer them a better rate. Foreign lenders can’t start lending in Africa directly unless they receive a local license and comply with other onerous requirements.
The MZ fills this gap connecting foreign debt purchasers and local lenders – you can bid per application submitted to our auction platform by a local licensed company. You can rely on the scoring provided by the local company or do your scoring.
We are better than anyone else because we help you purchase debt with the highest possible rate above your minimums.
All applications appearing on the platform have:

KYC Passed
Checked by a local licensed
agent, ID & Proof of address
are confirmed.

Paperwork Done
Signed and verified
by a local licensed lender
or partner.

Credit Score
Based on national or local credit score or other credit history extracted from local sources.

Transaction History
Each application is accompanied by mobile money or account history for the last few months.

Short Execution Time
Done in 4 mins 30 sec
on average, almost immediate
closing of your deals.

Local Partner
We are working with local verified partners and lenders with solid credit history.
"Money Zebra provides an immediate access allowing you to bid on a vast number of opportunities in consumer and MSME lending harvested in Africa. The applications contain sufficient information to do your scoring if you want to. This is the fastest and the most efficient way to purchase debt in emerging markets. We do this at Pan-African scale and with solid returns."
Services
Access to a database of applications for financial services.
Historical data to train
your risk model.
Long-term sustainable source of applications.
Paperwork and compliance
are sorted.
Local licensed
players’ support.
Bad debt recovery
and debt marketplace.
b2b2c RTB platform
We apply a high-speed RTB (Real-time bidding engine performing bid tasks) solution to facilitate deals between approved local partners and debt purchasers from across the globe. Auction model is the best to offer a non-zero-sum result for every participant.
How it works
Ways to bid
Any bidding on the lots is enabled:

Manual
Cherry-picking
Choose the
best applications
you want.
Pre-configured
Campaign
Hoover everything
that fits your
pre-set requirements.
API for a high-frequency case-by-case in-depth analysis
Full download of the dataset for comprehensive analysis and case-by-case decision making.
Benefiting At The MZ Auction
We have reinvented a credit environment and provide a high yield on purchasing debt than your expectations.
- Access to a huge basin of applications right away.
- Possibility to supply your applications.
- You always know who’s debt you are purchasing.
- Any debt size is available from £10 to £60k
- Access to a huge stack of historical data to train your risk model.
- Lenders are educated by the impact on their credit score.
Regions
More emerging countries and more financial products are planned down the road via the same convenient Money Zebra interface.

Ghana
today

Nigeria
next year

Kenya
soon
To start start purchasing debts via the Money Zebra auction platform

Step 1
Sign up and upload required documents.

Step 2
Review lots appearing on the platform.

Step 3
Pay a
deposit.

Step 4
Choose your way of bidding and start!

Step 5
Enjoy your returns.
Don’t forget you have access to the Money Zebra Sandbox and historical data to use them in your train your scoring and risk engines.
API and Sandbox
There is the right tool to improve your analysis to select the best lots suitable of your risk appetite before placing any money.
"Our goal is to bring better-priced financing to places which have difficulties in accessing it, such as low-income, off-grid households. At Money Zebra we want to make an impact and bring change to the world. "
Our Lenders
BOTH BANKING AND ALTERNATIVE LENDERS
We are working with a wide set of local players – banks, financial institutions, mobile money providers, local moneylenders and all kinds of alternative lenders operating in microfinance space who service underbanked consumers. They too will be ranked and rated on our platform according to their status, capital, and creditworthiness. However, we aim to focus more on alternative lenders because they are the ones who mainly serve our target population of underbanked consumers and they are the ones who are desperate for access to cheaper financing. The alternative lender market is expected to reach £100 billion in 5 years. This is the opportunity to make an impact in Africa providing accessible credit to millions of people and small businesses.
Get Connected
Get yourself ready for an awesome experience with MZ and be a part of the big international MZ family.
Servicing Africa with Money Zebra
We welcome you to contact us for more information
about any of our products or services.
Contact
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