Invest in Zerne Capital
Africa's consumer credit gap is one of the most significant financial inclusion opportunities in the world. We're building the embedded credit infrastructure for Nigeria and beyond.
A Massive,
Underserved Market.
Over 80% of Nigerian SMEs lack access to formal credit. The salaried worker segment is largely underserved by traditional banks. BNPL penetration in Nigeria and Africa is a fraction of what it is in mature markets.
Zerne Capital is positioned to capture this opportunity through a dual-product model: consumer BNPL and B2B trade finance — both backed by income data and GSI-powered repayment infrastructure.
Market Size
Multiple Revenue Streams.
One Platform.
Diversified revenue model across consumer and B2B products.
Interest & service fees on consumer BNPL (spread over instalment period)
Transaction fees from merchant integrations
B2B trade finance interest and origination fees
Platform fees from wholesale/distributor partnerships
Data licensing (anonymised, aggregated spending and credit data — future)
Why GSI Changes
The Risk Profile.
Guaranteed Standing Instruction (GSI) is a CBN-mandated infrastructure that allows Zerne Capital to automatically debit repayments from borrowers' bank accounts. This meaningfully reduces default risk compared to traditional lending or informal BNPL products — and is a structural advantage unique to regulated Nigerian fintechs.
GSI-Backed Repayment
Industry-standard risk mitigation via CBN-mandated direct debit infrastructure.
Dual Product Line
Consumer BNPL + B2B trade finance opens two massive addressable markets.
Data Flywheel
Every transaction enriches our credit scoring models — improving accuracy over time.
Tiered Credit Model
Responsible lending design reduces NPL risk and prevents over-indebtedness.
African Expansion Ready
Architecture designed to localise across Sub-Saharan markets fast.
Ready to Learn More?
Investors familiar with CredPal (Nigeria), Tamara (MENA), Paidy (Japan), and Twiga Foods (B2B Kenya) will find Zerne Capital's model draws from and improves on elements of each — with a local-first approach built for the realities of African commerce.
Email us with the subject line Investment Enquiry — [Your Name / Fund Name]and we'll send you our latest deck.
Contact for Investment Enquiries
investors@zernegroup.comSubject: Investment Enquiry — [Your Name / Fund Name]
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