Umati Capital
Umati Capital is a private Kenyan non-bank financial institution founded in 2012, providing credit and payment technologies to small and medium-sized enterprises in Nairobi.
- Company typePrivate
- Founded2012
- HeadquartersWestlands, Kenya
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Umati Capital does
Umati Capital is a private, Kenyan-headquartered non-bank financial institution founded in 2012 and based in Westlands, Nairobi. According to firmographic data, the company provides credit and related payment technologies, targeting small and medium-sized enterprises in Kenya. Its stated headcount is 11-50 employees.
The company is led by co-founders Ivan Mbowa (CEO) and Munyutu Waigi (Chief Customer Officer), and has raised venture funding from impact-oriented investors Accion Ventures (2014), Blue Haven Initiative, and Lundin Foundation (2015). These investors are aligned with financial inclusion and SME-focused lending theses in emerging markets.
Material data caveat: The publicly accessible umaticapital.com website currently displays online casino affiliate marketing content rather than financial services material, which is inconsistent with the company's stated mission and funding-stage identity. This may indicate the domain was repurposed, sold, or parked, or reflects a data anomaly in the source scrape. As a result, current operational status, active product offering, revenue, and headcount trends are not reliably observable from public sources, and the investment thesis rests primarily on the 2012-2015 founding-stage record.
Umati Capital firmographics
Firmographics- Name
- Umati Capital
- Legal name
- umaticapital.com
- Website
- https://umaticapital.com
- Company type
- Private
- Founded year
- 2012
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Umati Capital is a private Kenyan non-bank financial institution founded in 2012, providing credit and payment technologies to small and medium-sized enterprises in Nairobi.
- Ownership category
- akta.pro rank
Umati Capital industry classification
Industry- Product category
- Alternative Lending
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Supply Chain Finance (Trade Credit, PO/Inventory Financing) (FSAKAGAE)
- akta.pro secondary industry
- SME Trade Finance & Working Capital (LCs, Guarantees, Receivables) (FSABABAF)
Keywords
Where Umati Capital is headquartered
LocationHeadquarters
- HQ city
- Westlands
- HQ country
- Kenya
- HQ region
- Africa
Offices1 record
Markets served
Umati Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Affiliate Marketing: The platform generates revenue through affiliate marketing by referring players to online casinos. The site contains numerous external links to partner casino platforms (e.g., winclub8888.net, winbet333.net, tigawin33.com, 3win3388.com, jdl77.com, mmc9999.com, victory6666.com, mmc33.net, 1bet33.net) and earns commission for each referred player who signs up or deposits.
Go-to-market motion1 record
Distribution channels1 record
Marketing channels2 records
Umati Capital product offering
Product offeringCore offering
Umati Capital is a non-bank financial institution that extends credit to small and medium enterprises and supplies related payment technologies. The firm focuses on serving borrowers underserved by traditional banks in Kenya through digital lending and transaction infrastructure.
Product overview
Umati Capital operates as a single unified content and informational platform dedicated to online gaming. The company publishes articles and guides covering casino games (blackjack, slots, roulette, poker), online betting strategies, live casino experiences, sports betting, and responsible gambling. The offering is a single content website rather than a platform-with-modules architecture.
Differentiator
Problem solved
Functional benefit
Products and services
- SME Credit Products Credit facilities extended by Umati Capital to small and medium enterprises in Kenya that are underserved by traditional banks, providing working capital for business operations.
- Payment Technologies Related payment-technology infrastructure supporting the disbursement and repayment flows for Umati Capital's SME credit products.
Companies that use Umati Capital
Customer profileSegments1 record
Ideal customer profiles1 record
Umati Capital technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Umati Capital partnerships and signals
Strategic signalRecent moves4 records
Expansion highlights3 records
Umati Capital competitors and assessment
Company assessmentBroad incumbents
- Tala: Tala is a leading digital lender in East Africa and other emerging markets providing consumer and small-business credit via mobile. It is comparable to Umati Capital as a non-bank fintech lender serving underbanked customers in Kenya, though substantially larger and more diversified across geographies.
- Branch International: Branch offers digital loans and payments to consumers and small businesses across Africa, including Kenya. It is comparable to Umati as a mobile-first non-bank credit provider targeting similar underbanked segments with similar underwriting approaches.
- M-Kopa: M-Kopa provides pay-as-you-go asset financing and digital financial services to underbanked customers in Kenya and other African markets. It is comparable to Umati as a Kenya-anchored non-bank lender to underserved customers using mobile/IoT infrastructure.
- Jumo: Jumo is a financial services platform providing credit, savings, and insurance products to consumers and SMEs across Africa via partner integrations. It is comparable to Umati as a non-bank credit provider to underserved customers in African markets using mobile infrastructure.
Direct peers
- Lulalend: Lulalend is a South African fintech providing working capital and term loans to SMEs. It is a direct peer to Umati Capital in the non-bank SME lending category, with similar invoice/working-capital style products and a comparable target customer (underserved SMEs in Africa).
- Pezesha: Pezesha is a Kenya-based digital lending marketplace that provides working capital and credit to SMEs, often via embedded finance rails. It is a direct peer to Umati in the Kenyan SME credit space with similar supply chain and invoice financing orientation.
- TradeDepot: TradeDepot provides distribution and inventory financing to informal retailers across Africa. It is comparable to Umati Capital as a fintech offering working capital/credit to small merchants through digital rails, focused on African emerging markets.
Emerging players
- Apollo Agriculture: Apollo Agriculture provides credit and inputs to smallholder farmers in Kenya using a digital platform. It overlaps with Umati as an alternative-data-driven non-bank lender operating in Kenya and serving underserved customers, though its product is more agri-focused.
- Kopo Kopo: Kopo Kopo is a Kenyan fintech providing payments, working capital, and merchant credit solutions to SMEs. It is an emerging peer to Umati Capital operating in the same Kenyan SME credit and payments space.
Regional players
- Payjoy: PayJoy provides smartphone-based consumer financing in Latin America, Africa, and Southeast Asia. It is comparable to Umati as a non-bank asset/credit fintech serving underbanked customers in emerging markets, though its core geographies differ.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks5 records
Key highlights4 records
Customer concentration
Umati Capital social profiles
Digital presenceUmati Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Umati Capital leadership team
Management profileNumber of profiles
Profiles2 records
Umati Capital funding detail
Funding detailFunding overview
Funding rounds2 records
Investors3 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Umati Capital M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Umati Capital
What does Umati Capital do?
Umati Capital is a non-bank financial institution that extends credit to small and medium enterprises and supplies related payment technologies. The firm focuses on serving borrowers underserved by traditional banks in Kenya through digital lending and transaction infrastructure.
Is Umati Capital a public or private company?
Umati Capital is a private company. It is classified as venture growth investor backed and is currently operating.
When was Umati Capital founded?
Umati Capital was founded in 2012. It employs 11 to 50 people.
Where is Umati Capital based?
Umati Capital is headquartered in Westlands, Kenya, in the Africa region.
How does Umati Capital make money?
One revenue line is on record: affiliate Marketing.
Who are Umati Capital's main competitors?
Broad incumbents on record are Tala, Branch International, M-Kopa and Jumo. Direct peers are Lulalend, Pezesha and TradeDepot. Emerging players are Apollo Agriculture and Kopo Kopo. Payjoy is listed as a regional player.
Does Umati Capital have an API?
No public API is recorded for Umati Capital.
What industry is Umati Capital in?
Umati Capital's product category is Alternative Lending. Its primary akta.pro industry code is FSAKAGAE, Supply Chain Finance (Trade Credit, PO/Inventory Financing), with a secondary code of FSABABAF, SME Trade Finance & Working Capital (LCs, Guarantees, Receivables). Its NAICS code is 52232 and its SIC code is 6153.