What Credable does

Credable, operating as _able under The Able Group, is a Dubai-headquartered B2B fintech founded in 2021 that provides digital credit and savings infrastructure to financial institutions, telecoms, fintechs, and marketplaces across emerging markets. The company operates a unified three-layer modular platform comprising Core Infrastructure (foundational systems for products, transactions, and decisions), Data + Intelligence (transformation of transaction and behavioral data into credit decisions and optimizations), and Portfolio Management (risk, liquidity, collections, and growth oversight). On this platform it delivers four core product solutions — Credit, Savings, Card, and Groups — which partners embed directly into their existing digital customer journeys.

The business operates a two-track B2B2C model: Capital Partners (banks and credit investors) deploy capital through the platform with portfolio management controls, while Channel Partners (telcos, fintechs, apps, and marketplaces) distribute credit and savings products to their end customers. Revenue is generated through a combination of recurring platform/technology fees to partners and usage-based economics tied to credit decisioning and disbursement volume, though specific pricing is quote-based and not publicly disclosed. The company reports over 251 million credit decisions processed, $500 million+ in credit disbursed, and 40 million+ people enabled across five live markets (Tanzania, Kenya, Uganda, with stated expansion plans into Pakistan and Nigeria).

The company raised a $2.5 million seed round in March 2023 led by Ventures Platform, participated in the Visa Africa FinTech Accelerator (Cohort 5) and Plug and Play, and partnered with Onafriq for digital credit expansion across African markets. In 2026 it rebranded from Credable to _able to reflect a broader credit and savings infrastructure positioning. The company is led by CEO and co-founder Nadeem Juma, co-founder and CFO Jad Abbas, and CTO Michael Tarimo, operating with an 11–50 employee team.

Name

Credable

Legal name

The Able Group

Website

https://credable.io

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

Credable (_able) is a Dubai-headquartered B2B fintech providing embedded credit and savings infrastructure to banks, telcos, and fintechs across emerging markets via a three-layer modular platform and partner-led distribution model.

Ownership category

akta.pro rank

Product category

Embedded Finance / Credit Infrastructure Software

NAICS

Credit Intermediation and Related Activities (522), Activities Related to Credit Intermediation (5223)

SIC

Miscellaneous Business Credit Institution (6159), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Invoicing, Billing & Accounts Receivable Automation (FSAGAJAC)

akta.pro secondary industries

B2B/EDI & Partner Integration (BPAMAOAJ), B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC)

Keywords

• Embedded credit infrastructure
• Credit decisioning engine
• Digital savings platform
• Emerging market fintech
• Credit-as-a-service

Headquarters

HQ city

Masaki

HQ country

Tanzania

HQ region

Africa

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales

Revenue model

1. Platform/Technology Fees: The company operates as a B2B infrastructure provider, enabling financial institutions, telecoms, and fintechs to embed credit and savings products. Revenue appears to be generated through platform fees charged to capital and channel partners for infrastructure access and deployment.
2. Transaction/Usage-Based Revenue: As a credit infrastructure platform managing credit decisions and portfolio performance, the company likely earns fees tied to credit disbursement volume and transaction throughput.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels2 records

Core offering

Credable (_able) provides a B2B digital credit and savings infrastructure platform that enables banks, telcos, fintechs, apps and marketplaces in emerging markets to deploy and manage credit, savings, card, and group-based financial products within their existing customer journeys. The platform is built as a modular three-layer stack — Core Infrastructure, Data + Intelligence, and Portfolio Management — and is delivered via API/embedded integrations with a stated 6-week deployment timeline.

Product overview

_able (formerly Credable) offers a unified three-layer modular platform for digital credit and savings infrastructure. The platform consists of: Core Infrastructure (foundational systems), Data + Intelligence (decisioning and analytics), and Portfolio Management (performance optimization). The company provides four core product solutions—Credit, Savings, Card, and Groups—which are embedded directly within partner channels (telcos, banks, fintechs, apps, marketplaces). The platform enables capital partners (banks, credit investors) and channel partners to deploy credit and savings products in emerging markets, with over 251 million credit decisions made and $500+ million in credit disbursed.

Differentiator

Problem solved

Functional benefit

Products and services

• _able Platform Unified three-layer modular platform (Core Infrastructure, Data + Intelligence, Portfolio Management) enabling telcos, banks, fintechs, apps and marketplaces to deploy credit and savings products within their existing digital journeys.
• Credit Solution Deploys scalable credit products directly within partner channels (telco, bank, fintech, app, marketplace), enabling instant credit decisions and disbursement to end customers.
• Savings Solution Enables simple, accessible savings experiences embedded within partner customer journeys, allowing financial institutions and platforms to offer savings products through their existing digital properties.
• Card Solution Enables credit services for existing or new card customer bases, powering credit card issuance and management through the platform infrastructure.
• Groups Solution Powers group-based savings and credit products for communities and cooperatives, enabling collective financial products through digital channels.

Quantifiable outcome

• $500M+ in credit disbursed across the platform
• +4 more outcomes

Named customers4 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability4 records

Feature5 records

Partnerships

Two partnerships are on record, tiered flagship and core.

• Visa Africa FinTech AcceleratorflagshipGTM or Marketing Partner · 17 April 2026Credable participated in Visa's Africa FinTech Accelerator program (Cohort 5 Demo Day at GITEX Africa), which has supported 104 startups with combined valuation of $1.4 billion. The accelerator connects fintechs with capital providers and distribution partners, providing Credable with visibility and partnership opportunities including the Onafriq collaboration.
• OnafriqcoreStrategic or Co-development Partner · 15 April 2026Credable partnered with Onafriq for digital credit expansion as part of the Visa Africa FinTech Accelerator alumni network. This partnership leverages Onafriq's digital finance expertise to expand credit access across African markets where Credable operates (Tanzania, Kenya, Uganda).

Scale indicators7 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Branch International: Branch delivers instant digital loans and embedded financial services to emerging market consumers and SMBs via mobile. It is comparable to _able in target customer profile and emerging market focus, with similar credit decisioning at scale, though distributed consumer-direct rather than via partner channels.
• Lendingkart: Lendingkart is an SME-focused digital lending platform in emerging markets providing working capital credit products. It is comparable to _able in digital credit underwriting and platform-based loan distribution, though focused on SMBs rather than consumer credit.
• Tala: Tala provides digital credit and financial services to underbanked consumers in emerging markets, primarily through mobile apps. It is comparable to _able in serving thin-file borrowers in Africa and similar geographies, though Tala is consumer-facing while _able is a B2B infrastructure layer.
• Mambu: Mambu is a cloud banking platform enabling lenders and neobanks to launch credit and deposit products. It is comparable to _able as a B2B credit infrastructure provider, though Mambu targets a global footprint including developed markets while _able specializes in emerging markets.
• Lenco: Lenco is a Nigerian digital banking and fintech infrastructure provider offering savings, payments, and credit products. It is comparable to _able in B2B2C financial services targeting emerging market consumers through partner-led distribution in overlapping African markets.
• M-KOPA: M-KOPA provides pay-as-you-go solar and digital financial services to underbanked customers across East Africa through embedded credit. It is comparable to _able in serving thin-file East African consumers via embedded lending and telco-style distribution partnerships.
• Carbon (formerly OneFi): Carbon is a Nigerian digital lending platform offering consumer and SME credit products. It is comparable to _able in African digital lending exposure and credit-decisioning focus, operating in markets (Nigeria, Kenya) that overlap with _able's expansion roadmap.

Broad incumbents

• Flutterwave: Flutterwave is a major African payments infrastructure provider serving banks, fintechs, and businesses with payment processing and increasingly financial services. It is comparable to _able in serving as fintech infrastructure across African markets, though Flutterwave is primarily payments-focused while _able is credit-focused.
• Cellulant: Cellulant operates a digital payments and banking infrastructure platform across Africa serving banks, telcos, and merchants. It is comparable to _able in B2B financial infrastructure and telco distribution across the same emerging African geographies.

Regional players

• Onafriq (formerly MFS Africa): Onafriq is a pan-African digital payments network and an active _able partner through the Visa Africa FinTech Accelerator. It is comparable as an adjacent infrastructure player enabling cross-border digital financial services across the same African markets _able serves.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds5 records

Investors10 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Credable