Koma was born from a simple yet powerful belief: that we can bridge the critical funding gaps faced by Africa's dynamic entrepreneurs and businesses.

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We go beyond belief—we take action. ​

Our work targets three often-overlooked players in traditional finance: Non-Banking Financial Institutions (NBFIs), Small and Medium Enterprises (SMEs), and Women-Led Businesses. Through strategic credit guarantees, we unlock capital where it’s needed most.

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For us, guarantees are just the start.​

Koma combines financial tools with tailored technical assistance to build business capacity, promote climate-smart practices, and advance gender equity. This dual approach ensures capital not only flows—but delivers lasting impact.

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Through our pilot, we are actively testing innovative guarantee mechanisms and validating new pathways to reach underserved businesses across Sub-Saharan Africa. The Koma Guarantee Marketplace connects local opportunities with global guarantee providers, fundamentally transforming how capital is deployed and building trust between capital providers and entrepreneurs.

 

Where gaps persist beyond the marketplace, we step in. ​

Koma is designing a dedicated Guarantee Fund to meet unmet needs, with a focus on helping beneficiaries eventually transition into a broader marketplace. By generating real-time market intelligence and data, our pilot lays the groundwork for scale—reshaping Africa’s financial landscape with inclusion, sustainability, and impact at its core.