Flow Uganda

Sector:Financial Services
Entrepreneurs:Nitin Garg, Michael Rothe and Geoffrey Acini
In portfolio since:2025

 

Flow Uganda is a fast-growing tech-enabled financial services company, providing unsecured business loans to micro-entrepreneurs (particularly mobile money agents) across Uganda, enabling them to do more and thus earn more. With extensive nationwide reach, Flow Uganda has supported over 10,000 rural and peri-urban entrepreneurs with over 1,000,000 loans since its inception. 

Partnership with Inua Capital

Flow Uganda’s digital lending platform helps mobile money agents increase their ability to serve higher value customers, and redirect liquidity between accounts to meet daily cash needs. The loans extended by Flow Uganda enable these agents to more than double their annual incomes. For >90% of Flow’s borrowers, this is their first access to credit of any kind.

Furthermore, in providing this liquidity, Flow is helping power Uganda’s mobile money ecosystem, which millions of citizens rely on for everyday transactions.

Inua Impact Fund has provided equity financing to Flow Uganda to strengthen its loan book and further entrench the impact in driving increased financial inclusion, especially with women and youth.

With Inua Capital’s support, Flow Uganda is positioned to unlock further growth in reach, both demographically and location footprint, as well as unlocking further capital capacity to continue democratizing access to finance to the historically unserved microentrepreneurs across Uganda.