Top 25 FinTech Startup Investors in Zambia (June 2026)

Portfolio highlights

• Oze — OZÉ brings African small businesses into the digital era. It is an app that makes it easy for businesses to track sales, expenses, and customer information. The data is analyzed to provide tailored recommendations, reports, and business education. If the entrepreneur needs a little extra support, an OZÉ Coach is just a click away. As they are usingOZÉ to manage their business and learn how to run it better, we are learning about them. Using this data and machine learning, we can predict their credit risk and provide them with affordable capital from our banking partners. With over 20,000 registered users, OZÉ is the largest online community of SMEs in Ghana. The most exciting thing is that OZÉ works; 97% of businesses that have used OZE for at least 9 months are growing or profitable or both!
• Atome Energy — Atome Energy is the green hydrogen and ammonia project development company to create a greener, cleaner environment.
• IPT PowerTech — IPT PowerTech coverage, coupled with our extensive expertise in supply chain management, field implementation, and power systems, has made us one of the most capable companies in handling the most complicated and versatile projects in the MEA region and its neighboring countries.

Portfolio highlights

• Zazuu — Zazuu is a platform for sending money across the border.
• Curacel — Curacel creates APIs & tools that enable businesses to embed insurance in digital channels and to administer claims cost-effectively.
• 24SEVEN — 24seven.pk is using tech and data to digitize and disrupt the fresh food and FMCG verticals in one of the fastest-growing and rapidly evolving consumer markets in the world.

Portfolio highlights

• Akhetonics — Creating the first all-optical RISC Processor
• Axiom Trust — Axiom Trust is an AI-powered trust startup that modernises professional trust administration during the "Great Wealth Transfer" of over $100 trillion in assets.
• Lace Lithography — Lace is building the patterning technology that will power the next 100 years of semiconductor manufacturing.

Portfolio highlights

• MDaaS Global — At MDaaS Global, we build and operate modern, tech-enabled diagnostic centres in clinically-underserved communities, starting in Nigeria. Our big goal is to create affordable healthcare solutions for Africa's next billion.
• SEND — SEND manages the entire process of moving freight by air, ocean and road to and from Africa - including customs processes, trucking and warehousing. Our application provides instant quotes & bookings, document management, cost transparency, notifications and tracking for your cargo.
• ThankUCash — ThankUCash is a technology company powering rewards and loyalty for African banks and businesses. ThankUCash helps merchants grow revenue by connecting them to customers within and outside of their locations while retaining acquired customers using a data analytics-powered reward system where customers earn cash rewards for every transaction madeboth offline and online.

Portfolio highlights

• Lupiya — Lupiya is an online marketplace for microloans. It is a branch-less, innovative digital microfinance platform that leverages technology to make the process of borrowing simpler and easier so that people and businesses located across the country even in rural, remote areas can access financial services.
• SweepSouth — Book a home cleaning online from your mobile, tablet or computer. SweepSouth connects you with a cleaner in minutes. Cleaners are experienced, reliable, efficient and insured.
• Alma Clinics —

Portfolio highlights

• Roofr — The complete sales toolbox for roofers. From roof measurement reports to project-winning proposals.
• Vennre — Build wealth through vetted private market opportunities from $5k. GCC-first, globally accessible. Regulated, Sharia-compliant, digital-first.
• PatientPoint — Discover how PatientPoint delivers content that drives better health decisions and outcomes for healthcare providers, brands, and patients.

Portfolio highlights

• Loyal — Loyal is a clinical-stage veterinary medicine company working on giving dogs longer, healthier lives.
• Merkle Manufactory — Merkle Manufactory is a software company contributing to the Farcaster protocol and working on clients.
• Meez Culinary Solutions — Organize, Train, Cost, Iterate, Collaborate, and Share your recipes and process.

Portfolio highlights

• Adbot — Adbot makes Google ads easy. Start a Google Ad Campaign and get results!
• Koa Academy — Koa Academy is on the cutting edge of online schooling in South Africa! We offer small classes, quality educators, and individualized, engaged online learning.
• Brown and Ayo — Brown and Ayo have provided customers with an extensive online marketplace of natural hair extensions created to mimic black natural hair textures. The company prides itself in bringing innovative and well-loved products to the SA black woman consumer.

Portfolio highlights

• Carry — Ocho is everything you need to build wealth as a business owner.
• Hone Health — Hone Health provides telehealth services that support hormone health and longevity, including testosterone replacement therapy (TRT)
• Disco — Co-op commerce is a network of the world's best brands partnering together to grow.

Portfolio highlights

• Hivello — Hivello is a Decentralized Physical Infrastructure Network aggregator. Contribute resources, connect with Web3 protocols, and effortlessly generate passive income.
• ZOTH — Unified platform for yield, payments, cards & compliance, serving retail & institutional users.
• MonkeyLeague — MonkeyLeague is a video game company. They develop PC and console-based NFT games. The company offers a turn-based, play-and-earn multi-player soccer game that provides monkey NFTs of genetic composition formulated from 32 traits.

Portfolio highlights

• PaidHR — PaidHR works with organizations to streamline how they manage their staff. Our precisely created solutions enable them to create the ideal place to work.
• Lingawa — Speak your native language with pride! Learn Yoruba and Igbo with fun, immersive online lessons for adults and kids (ages 5+).
• Definely — Definely creates legal tech solutions to free lawyers from frustration, saving them time when understanding, drafting and reviewing legal documents.

Portfolio highlights

• Kofa — Kofa is an automotive company that utilizes the latest electric battery and motor technology. The company aims to develop an affordable, sustainable and customer driven electric network in transformative energy, transport, and climate change around the globe. Kofa was founded in Ghana and is headquartered in Accra.
• Sistema.bio — Sistema.bio is a biodigester with biogas appliances. High efficiency biodigesters transform organic waste into renewable biogas.
• Mufin Green Finance — Mufin Green Finance is an NBFC that specialises in the electric vehicle (EV) market.

Portfolio highlights

• Union54 — Union54 is a debit card issuing API for fintech and corporates.Union54 allows any software company to issue debit cards to their customers without needing any bank or credit card processor. It provides BIN sponsorship., transaction processing, and settlement.
• Jia — Small businesses drive the economy. They deserve to own a piece of it. Jia gives entrepreneurs anywhere in the world power to control their financial destiny. We provide blockchain-based financing to businesses in emerging markets and reward them with ownership, enabling them to create wealth and prosperity for themselves and their communities.
• Ceramic Network — Ceramic Network is a provider of protocols for decentralized and composable data applications. The network decentralizes application databases, making data universally composable and reusable across applications. It consists of three core parts: a highly-scalable, decentralized infrastructure for data availability and consensus, a marketplace ofcommunity-created data models, and a suite of standard APIs for storing, updating, and retrieving data from those models.

Portfolio highlights

• Union54 — Union54 is a debit card issuing API for fintech and corporates.Union54 allows any software company to issue debit cards to their customers without needing any bank or credit card processor. It provides BIN sponsorship., transaction processing, and settlement.
• Moniepoint — Moniepoint provides an all-in-one payments, banking and operations platform for businesses and their customers.
• Revio — Subscription billing and payments made easy.

Portfolio highlights

• Rent To Own Africa — Rent To Own provides affordable financing to high capacity entrepreneurs in rural communities across Zambia. Rent To Own variety of rental arrangements helps business owners build assets and expand their own services. Beyond traditional asset financing, Rent To Own adapts its services and to the individual needs of each client, including guidedasset selection process, direct distribution and one-on one training for maintenance and proper equipment usage. The company unique six-step loan process mitigates repayment risk and ensures that the equipment is being used optimally.

Portfolio highlights

• IRL — Groups, Chats, Events - Tap to see details
• Jerry — Jerry simplifies the expensive, frustrating, and time-consuming aspects of car ownership.
• Class101 — Class101 is an online platform where people can make and enjoy hobbies.

Portfolio highlights

• mTek — mTek is a digital online insurance platform that provides an entirely paperless ecosystem for the insurance industry.
• REasy — Top up locally, pay suppliers globally, and manage international shipments with REasy. Fast, secure, and designed for African businesses expanding worldwide.
• Konnect — Konnect provides a cross borders payment solution intended to simplify complex financial flows allowing companies of any scale and size to send and receive payments in a practical, secure, and low-cost way.

Portfolio highlights

• Anytype — An operating system for the new Internet
• Machinery Partner — Machinery Partner is a marketplace buying heavy machinery and equipment directly from manufacturers. Browse our range of construction and mining equipment.
• Lightning Reach — Lightning Reach is a financial support portal that makes it easy for people to find and apply for a wide range of personalised support in one place. This support can range from; charitable grants, local council schemes, help with bills and the cost of living crisis and benefits.

Portfolio highlights

• AgDevCo — AgDevCo is a social impact investor and agribusiness project developer, incorporated as a non-for-profit distribution, limited companyin.
• Wecyclers — Wecyclers gives households a chance to capture value from their waste while providing a reliable supply of materials to the local recycling industry.Wecyclers works in partnership with the Lagos Waste Management Authority (LAWMA) and collects recyclable waste, including plastic bottles, plastic bags, and aluminum cans, at the household levelusing low-cost bicycle-powered collection vehicles called “wecycles”.Wecyclers rewards households with redeemable points based on the volume and quality of recyclables that they give us. Wecyclers sort and aggregate the materials and then sells it to Nigerian recyclers.
• Kensta Group —

Portfolio highlights

• MoonPay — MoonPay offers a fast and simple way to buy and sell cryptocurrencies. Buy crypto with credit card, bank transfers or Apple Pay today.
• Milano Vice — Milano Vice is building a new virtual food brand by working with professional kitchens to prepare and deliver delicious pizzas to home.
• Kapital — Kapital empowers SMBs with a tech-banking platform giving visibility and control of their treasury, and their employees

Portfolio highlights

• Aku — Aku is a financial technology to drive financial inclusion on one mobile device. They provide payments and bring financial services to the doorstep. They support the new business owner in need of the right tools. They offer low-cost, accessible financial services that serve their customers. They radically democratized access to banking and digitalpayment channels.
• AlumUnite — AlumUnite is a purpose-built platform to connect all educated Africans to develop Africa's human capital through alumni groups. We crowd-resource education.
• Reliance Health — Reliance Health Global. Improve the lives of your staff with innovative company healthcare benefits fit for any business. You can rely on us.

Portfolio highlights

• NMB Bank — NMB Bank is dedicated to providing premium financial services to all existing and potential customers. Since 1993, we have offered supreme corporate, retail and investment banking solutions.
• VivaJets — VivaJets is a aviation company providing a full range of aircraft management services, fractional ownership opportunities, and aircraft sales and acquisition.
• Shona Capital Zambia — SHONA ZAMBIA offers responsible, adaptable financing along with useful management assistance that goes beyond money. We strive to eliminate obstacles, enhance capacities, and promote long-term, sustainable growth by collaborating with clients, business leaders, and communities.

Portfolio highlights

• Lupiya — Lupiya is an online marketplace for microloans. It is a branch-less, innovative digital microfinance platform that leverages technology to make the process of borrowing simpler and easier so that people and businesses located across the country even in rural, remote areas can access financial services.

Portfolio highlights

• Chaayos — Your one stop shop for all your Chai Cravings. Easy way to buy out Masala Tea, Instant Tea, Green Teas and Tea Gifts.
• Progcap — Progcap is revolutionising the way financial access is delivered to underserved segments of the Indian retail economy, through specialized financing and technology products that empower small and medium businesses (SMBs) to progress without obstacles.
• G.O.A.T Brand Labs — Purpose G.O.A.T is mono-maniacally focussed on the audacious goal of Making Indian D2C brands world...

Portfolio highlights

• Rubie — Rubie is a software solutions company that helps businesses with complex products streamline and accelerate customer onboarding.
• CrewAI — CrewAI is a multi-agent automation platform for enterprises to automate complex tasks. With its automation platform, organizations can deploy and manage AI agents to automate complex tasks and to value across a wide range of use cases, from research and analysis to coding and reporting.The company also offers a range of advanced new featuresincluding self-iteration, performance evaluation, persistent memory, and a range of new agent collaboration structures.
• Dreambase — Dreambase develops AI-powered analytics software that enables organizations to generate insights, dashboards, and reports directly from their database without requiring traditional data infrastructure. The platform connects to data sources such as Supabase or PostgreSQL and analyzes schema, relationships, and usage patterns to automatically producemetrics and visualizations. Its system uses AI agents to perform tasks typically handled by data teams, including querying databases, identifying trends, building pipelines, and delivering recommendations based on real-time data. The platform eliminates the need for external data warehouses or manual event tracking by treating the database as the primary source of truth and generating insights directly from it.