Business software · Proposal
Bosea
Turn a merchant's transaction history into a credit decision.
Built for Banks, microfinance institutions and lenders serving SMEs
Sell to the buyer with a budget
OZÉ spent years selling bookkeeping to Ghanaian SMEs, then stopped and sold a lending system to banks instead. Revenue grew thirteen-fold.
Moniepoint disbursed over ₦1 trillion to small businesses in 2025, underwritten on point-of-sale history it already held. The pattern is consistent: transaction data becomes a credit decision, and the credit pays for the software.
The size of the problem
The African MSME finance gap is estimated between $331bn and $421bn. Around 31% of surveyed businesses were refused a loan in the last year, and only about a fifth have any formal financing at all.
The risk to respect
Lending into informal supply chains is genuinely dangerous. Nigeria's strongest lender was left with a ₦4.38bn default from a well-funded borrower whose assets are now frozen. Underwriting quality is the whole product.
This is a researched proposal, not a commitment. Nothing here has been validated with a paying customer yet.