Returns with roots. Risk you can read.

Invest in vetted, income-generating African businesses through two transparent instruments — with diligence, schedules and risk ratings on every listing.

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Portfolio snapshot

$12,480+9.2%

Invested across 6 notes · 4 countries

🇰🇪 Karu Agro — revenue-share14.5%🇳🇬 Lumo Health — term note12%🇿🇦 Cape Mobility — term note11.5%

Two ways to invest

Every offering is a debt instrument — you are lending, not buying equity.

TERM NOTE

Fixed interest, fixed term

Lend a set amount and receive fixed interest over a defined period. Predictable repayments on a published schedule.

Return typeFixed APRTypical range10–13% APRDuration12–48 monthsBest forPredictable income

REVENUE-SHARING NOTE

Upside linked to growth

Receive an agreed share of the business's revenue until a target return is met. Repayments flex with performance.

Return typeVariable, cappedTarget range13–16%DurationUntil cap reachedBest forGrowth participation

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Investor protections

You see the risk before you commit

Every business clears KYB, due diligence and audited-financial review before listing. Each note carries a plain-language risk disclosure and a default-recovery plan.

Risk ratings

A–D rating on every listing, with the methodology explained.

Due diligence

Independent review of financials, legal standing and use of funds.

Default plans

Each issuer files a recovery plan for default or business failure.

Segregated funds

Investor funds handled under regulated, audited processes.

Open opportunities

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Karu Agro Ltd🇰🇪 Kenya

Agriculture · Revenue-sharing note