What We Do

Structured Capital for
Africa's Financial Inclusion
Ecosystem

Pangea deploys private credit into the institutions, fintechs, and entrepreneurs building formal financial access across Sub-Saharan Africa — with institutional rigour, measurable impact, and contractual returns.

01 — Our Services

What We Offer

01

Capital Deployment

We channel institutional and impact capital into structured debt facilities — warehouse lines, revolving credit, and term loans — for the fintechs, microfinance institutions, and SME lenders that are expanding formal financial access across West Africa and beyond.

02

Ecosystem Engagement

We work alongside regulators, development finance institutions, and private sector partners to build the operating environment that enables financial inclusion at scale — from policy dialogue to market infrastructure development.

03

Investor Access

Through our investment management platform at PGI Fund, we provide institutional investors — commercial, impact, and concessional — with structured access to Africa's private credit opportunity with institutional-grade reporting, governance, and risk management.

04

Knowledge & Insight

We publish research, data, and analysis on Africa's financial inclusion landscape — helping investors, policymakers, and practitioners make more informed decisions. Our cross-border lens, spanning Nigeria, West Africa, and North America, is central to how we think.

02 — The Opportunity

Africa's Credit Gap

The $330B+ structural credit gap across Sub-Saharan Africa is not a temporary dislocation — it is the operating environment. Banks cannot serve it. Fintechs are positioned to close it. Private credit is the bridge.

MarketCredit GapOpportunity
Nigeria$9B+ SME gap (IFC)Largest fintech market in Africa
Kenya60% of SMEs underservedMobile-first financial ecosystem
Ghana35% formal credit penetrationRapidly growing digital finance
West Africa$100B+ unmet demandECOWAS alignment accelerating
03 — Access Barriers

Why the Gap Persists

  • African banks are structurally constrained by short-term deposit bases and rigid collateral requirements designed for a different economy.
  • Global private credit managers lack the on-the-ground expertise, relationships, and risk frameworks to deploy at scale in African markets.
  • Development finance institutions fill part of the gap, but at concessional terms that do not crowd in commercial capital at the scale required.
  • Currency risk, regulatory complexity, and limited exit liquidity have historically deterred institutional investors.
  • Fintechs — the most effective channel for financial inclusion — cannot grow without a reliable source of debt capital to fund their loan books.

"Private credit is not an alternative to banks in Africa. It is the infrastructure that makes financial inclusion possible at scale."

— Pangea Global Investments

Explore how we structure the opportunity

Our investment thesis translates the credit gap into institutional-grade private credit instruments.

Investment Thesis Our Approach →