4G Capital (Fourth Generation Capital) is a neo-bank empowering micro, small, and medium enterprises (MSMEs) in Africa by providing unsecured working capital loans and financial literacy training. They leverage data analytics and mobile technology to offer instant access to credit, helping businesses grow, create jobs, and improve livelihoods. Their mission is to end the poverty penalty by ensuring that all businesses have the opportunity to succeed, regardless of their size or location. 4G Capital focuses on serving informal traders and small businesses that are typically excluded from traditional banking services.
The Nairobi headquarters serves as the central hub for 4G Capital's strategic operations, product development, technology innovation, regional management, and corporate functions supporting its mission across Africa.
Located in West End Towers, a Grade A office building known for its contemporary design, modern amenities, and strategic location in Nairobi's business district.
The work culture at 4G Capital's HQ is dynamic, mission-driven, and innovative, reflecting its fintech nature and focus on social impact. It emphasizes collaboration, customer-centricity, and leveraging technology to solve real-world financial inclusion challenges.
Nairobi's position as a leading African tech and innovation hub, particularly in mobile money and fintech (often dubbed 'Silicon Savannah'), makes it a strategic location for 4G Capital's headquarters, facilitating access to talent, partnerships, and a vibrant ecosystem.
4G Capital primarily operates in East Africa, with significant on-the-ground presence in Kenya and Uganda. Its global functions supported from these regions include micro-loan origination and servicing, financial literacy program delivery, customer relationship management, technology development for its platform, data analytics, and regional operational management. While its core impact is local, its model and technology have global relevance for financial inclusion in emerging markets.
West End Towers, 4th Floor, Waiyaki Way
Nairobi
Nairobi County
Kenya
Address: Multiple branch locations across Kenya (e.g., Eldoret, Mombasa, Kisumu, Nakuru)
To provide accessible microfinance services and support to underserved entrepreneurs throughout Kenya, driving financial inclusion at the grassroots level.
Address: The Prism Building, 5th Floor, Plot 71 Luthuli Avenue, Bugolobi, Kampala, Uganda
To expand 4G Capital's financial inclusion mission in Uganda, providing capital and training to help Ugandan entrepreneurs grow their businesses.
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As of April 2025, 4G Capital' leadership includes:
4G Capital has been backed by several prominent investors over the years, including:
In the past 12 months, 4G Capital strengthened its technology leadership with the appointment of a new Chief Product & Technology Officer. No major publicly announced executive exits have been noted during this period.
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While 4G Capital's exact internal email format isn't publicly advertised, companies of its size and structure commonly use formats like [first].[last]@[companydomain.com] or [first_initial][last]@[companydomain.com]. For 4G Capital, the domain is '4g-capital.com'.
[first].[last]@4g-capital.com or [finitial][last]@4g-capital.com
Format
wayne.hennessy-barrett@4g-capital.com (example based on common format)
Example
80%
Success rate
TechCabal • November 15, 2023
4G Capital, a leading African fintech, has named Owen Kinyua as its new Chief Product and Technology Officer (CPTO) to spearhead technology strategy and product innovation, aiming to enhance its financial services for MSMEs....more
4G Capital LinkedIn / SME Finance Forum • October 12, 2023
4G Capital received the Gold Award for 'Social Impact' at the Global SME Finance Forum Awards 2023, recognizing its significant contributions to financial inclusion and support for Micro, Small, and Medium Enterprises (MSMEs) in Africa....more
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