cap-finances bénin
CAP-Finances SA is a licensed Beninese microfinance institution operating three branches (Cotonou, Bohicon, Parakou) that offers salary-backed, commercial, SME, and nano-credits alongside deposit and tontine savings products to individuals, government employees, traders, and small businesses across Benin.
- Company typePrivate
- Founded2009
- HeadquartersCotonou, Benin
- Headcount11–50
- GTM typeB2C
- OfferingServices
What cap-finances bénin does
CAP-Finances SA is a Beninese microfinance institution (Société Anonyme) headquartered in Cotonou, founded in May 2009 as CAPE SA and rebranded to its current name in 2014. It has held an official Decentralized Financial System (SFD) license (agrément A.20.0128.L) from Benin's Ministry of Economy and Finance since 2020, and its authorized share capital was increased from 150M to 350M FCFA in 2022. The institution operates three physical service points in Cotonou (Gbèdjromèdé headquarters), Bohicon (Zou region), and Parakou (Borgou region), serving individuals, government employees, private sector workers, traders, and small and medium enterprises through a branch-based distribution model.
The company's core business is split across two product families: credit and savings. The credit portfolio comprises 10 products targeted at specific borrower segments, with monthly declining-balance interest rates ranging from 1.25% (Crédit Plus Public, Avance Express Assurance, Crédit Scolaire) to 1.86% (Crédit PME-PMI, Crédit Opportunités), translating to annual effective rates of approximately 15%–22%. Loan tickets range from nano-credit of 50K FCFA (in partnership with solar distributor QOTTO) to SME loans of 15M FCFA, with tenors spanning 3 months (Nano-Crédit) to 84 months (Crédit Plus Public). The savings portfolio includes Dépôt à Vue (sight deposits earning 3% annually on balances above 100K FCFA held 3+ months), Dépôt à Terme (term deposits up to 8.5% annually with a 500K FCFA minimum), and Tontine (daily contributions from 500 FCFA that double as a credit-eligibility gateway). Revenue is generated primarily through interest income on the credit book and net interest spread on deposits, with no disclosed technology platform beyond an informational website and basic contact channels.
The institution's commercial model relies on direct branch service, word-of-mouth referrals, and digital distribution partnerships with MTN Mobile Money and Moov Africa. Its governance is led by Toïdi Moudachirou (Chairman of the Board) and Auxence Vivien Hounkpe (Directeur Général). The technology stack is conventional: a WordPress-based web presence with WPForms for inquiries, a dedicated Data Protection Officer (Ornella Bata), and compliance with Benin's data protection code. There is no disclosed proprietary lending platform, mobile application, or AI/ML capability. Trust relationships with regional financial institutions (NSIA, CBAO, ORABANK, SANLAM) and the National Microfinance Fund (FNM) support its deposit-gathering and treasury operations.
cap-finances bénin firmographics
Firmographics- Name
- cap-finances bénin
- Legal name
- CAP-Finances SA
- Website
- https://cap-finances.com
- Company type
- Private
- Founded year
- 2009
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- CAP-Finances SA is a licensed Beninese microfinance institution operating three branches (Cotonou, Bohicon, Parakou) that offers salary-backed, commercial, SME, and nano-credits alongside deposit and tontine savings products to individuals, government employees, traders, and small businesses across Benin.
- Ownership category
- akta.pro rank
cap-finances bénin industry classification
Industry- Product category
- Microfinance Services
- NAICS
- Other Nondepository Credit Intermediation (52229), Depository Credit Intermediation (5221)
- SIC
- Personal Credit Institutions (6141), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG)
- akta.pro secondary industry
- Retail Credit (Closed-End) & Promotional Financing (0%/Deferred Interest) (FSAKAFAF)
Keywords
Where cap-finances bénin is headquartered
LocationHeadquarters
- HQ city
- Cotonou
- HQ country
- Benin
Offices3 records
Markets served
cap-finances bénin business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Credit Interest Income: CAP-Finances SA generates revenue primarily through interest income on various credit products offered to individuals and SMEs. Interest rates range from 1.25% to 1.86% per month on a declining balance basis depending on the product type (public sector employees, private sector, commercial, SME loans).
- Savings/Deposit Income: The company collects deposits from customers including demand deposits (Dépôt à Vue) with up to 3% annual remuneration for balances above 100,000 FCFA held for 3+ months, and term deposits (Dépôt à Terme) with rates up to 8.5% annually for minimum deposits of 500,000 FCFA.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Crédit Plus Privé: 100,000 - 10,000,000 FCFA, 6-36 months, 1.5% monthly declining rate |
| Transaction based/ take rate | Monthly | Crédit Plus Public: 200,000 - 12,000,000 FCFA, 12-84 months, 1.25% monthly declining rate |
| Transaction based/ take rate | Monthly | Crédit Commercial: 100,000 - 15,000,000 FCFA, 3-24 months, 1.83% monthly declining rate |
| Transaction based/ take rate | Monthly | Crédit PME-PMI: 1,000,000 - 15,000,000 FCFA, 12-24 months, 1.86% monthly declining rate |
| Transaction based/ take rate | Monthly | Crédit Opportunités: 500,000 - 10,000,000 FCFA, up to 6 months, 1.86% monthly declining rate |
| Transaction based/ take rate | Monthly | Crédit Avance Express Assurance: 100,000 - 10,000,000 FCFA, up to 12 months, 1.25% monthly declining rate |
| Transaction based/ take rate | Monthly | Nano-Crédit: 50,000 - 100,000 FCFA, up to 3 months, 1.83% monthly declining rate |
| Transaction based/ take rate | Monthly | Crédit Scolaire: 150,000 - 1,000,000 FCFA, up to 9 months, 1.25% monthly declining rate |
| Subscription | Annual | Dépôt à Terme: minimum 500,000 FCFA, 1-5+ years, up to 8.5% annual rate |
| Subscription | Pay-as-you-go | Dépôt à Vue: no minimum, flexible, 3% annual rate for balances over 100,000 FCFA held 3+ months |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels5 records
cap-finances bénin product offering
Product offeringCore offering
CAP-Finances SA is a Beninese microfinance institution offering a unified portfolio of credit and savings products. Credit offerings span 10 distinct products targeting specific customer segments: private sector employees (Crédit Plus Privé), permanent state agents (Crédit Plus Public), merchants (Crédit Commercial), SMEs/PMI (Crédit PME-PMI), contract holders (Crédit Opportunités), insurance policyholders (Crédit Avance Express Assurance), tontine participants (Crédit Avance sur Tontine and Crédit Tontine), solar kit customers via the QOTTO partnership (Nano-Crédit), and parents financing school expenses (Crédit Scolaire). Savings products include Dépôt à Vue (flexible sight deposits), Dépôt à Terme (term deposits up to 8.5% annually), and Tontine (daily contribution savings).
Product overview
CAP-Finances SA is a Beninese microfinance institution offering a unified portfolio of credit and savings products. Its credit offerings span 10 distinct products targeting specific customer segments: private sector employees (Crédit Plus Privé), public sector employees (Crédit Plus Public), merchants (Crédit Commercial), SMEs/PMI (Crédit PME-PMI), contract holders (Crédit Opportunités), insurance policyholders (Crédit Avance Express Assurance), tontine participants (Crédit Avance sur Tontine and Crédit Tontine), solar kit customers via the QOTTO partnership (Nano-Crédit), and parents financing school expenses (Crédit Scolaire). Savings products include three offerings: Dépôt à Vue (flexible sight deposits with 3% annual interest on balances held over 3 months), Dépôt à Terme (term deposits from 500,000 F CFA with rates up to 8.5%), and Tontine (daily contribution savings with a 500 F CFA minimum). The product architecture is organized into two main categories — Epargne (savings) and Crédits (loans) — with tontine functioning as both a savings vehicle and an eligibility gateway for credit products.
Differentiator
Problem solved
Functional benefit
Products and services
- Crédit Plus Privé
Quantifiable outcome
- Over 14 years of operational experience in Benin's microfinance sector
- +1 more outcomes
Companies that use cap-finances bénin
Customer profileNamed customers7 records
Segments7 records
Ideal customer profiles4 records
cap-finances bénin technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
cap-finances bénin partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- QOTTOcoreQOTTO partnership enables CAP-Finances SA to offer Nano-Credit products (50,000-100,000 FCFA) to QOTTO customers who are solar kit buyers with income-generating activities. The partnership targets underserved populations with small urgent financing needs.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
cap-finances bénin competitors and assessment
Company assessmentDirect peers
- Finadev Group: West African microfinance institution operating in Benin and several other UEMOA countries, offering consumer credit, SME loans, and savings products to underserved populations. Directly comparable to CAP-Finances in product mix and target segments, but with broader geographic reach.
- ACEP (Agence de Crédit pour l'Entreprise Privée): Microfinance institution serving micro-entrepreneurs and SMEs across West Africa. Comparable to CAP-Finances in offering of small-ticket credit products and micro-entrepreneur focus, though with a stronger SME orientation.
- Advans (now Baobab Group): International microfinance network operating across West and Central Africa including Benin, providing credit and savings to micro-entrepreneurs and SMEs. Closely comparable in mission and product suite but with significantly larger scale and institutional backing.
- Microcred (subsidiary of Natixis/Société Générale): Formerly Microcred, a network of microfinance institutions active in West and North Africa, offering personal loans, SME credit, and savings. Directly comparable to CAP-Finances in customer segments and credit products, with institutional backing from a major European bank.
Broad incumbents
- Ecobank Benin: Pan-African banking group with operations in Benin, offering retail banking, consumer credit, and SME financing. Comparable to CAP-Finances in the credit-and-savings business but at vastly larger scale and with a broader product portfolio.
- Orabank Benin: Pan-African commercial bank with a significant presence in Benin offering consumer credit, SME loans, and deposits. Comparable to CAP-Finances in product overlap but competes at a broader institutional scale and serves more formal-sector customers.
- Bank of Africa (BOA Benin): Major commercial bank in Benin offering retail credit, SME loans, and savings products. Comparable to CAP-Finances in offering similar financial products but operates as a full-service deposit-taking bank with much larger capital base and distribution.
Regional players
- RENACA (Réseau National des Caisses d'Épargne et de Crédit Autogérées du Bénin): Beninese network of cooperative savings and credit institutions serving rural and semi-urban populations with similar credit and savings products. Comparable as a domestic competitor but organized around a mutual/cooperative model rather than a corporate structure.
- COOPEC-CA cooperatives (Benin): Local cooperative savings and credit institutions operating across Benin, offering similar microcredit and savings products to underserved populations. Comparable to CAP-Finances in customer segments and products but structured as member-owned cooperatives.
Emerging players
- QOTTO: Benin-based solar energy distributor that partners with CAP-Finances for Nano-Credit product to its customers. Comparable as a partner-distribution channel reaching thin-file borrowers, but operates in a different vertical (energy) rather than directly competing for the same credit customers.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
cap-finances bénin social profiles
Digital presencecap-finances bénin financial estimates
Financial estimateRevenue estimate
Valuation estimate
cap-finances bénin leadership team
Management profileNumber of profiles
Profiles2 records
cap-finances bénin funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
cap-finances bénin 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 cap-finances bénin
What does cap-finances bénin do?
CAP-Finances SA is a Beninese microfinance institution offering a unified portfolio of credit and savings products. Credit offerings span 10 distinct products targeting specific customer segments: private sector employees (Crédit Plus Privé), permanent state agents (Crédit Plus Public), merchants (Crédit Commercial), SMEs/PMI (Crédit PME-PMI), contract holders (Crédit Opportunités), insurance policyholders (Crédit Avance Express Assurance), tontine participants (Crédit Avance sur Tontine and Crédit Tontine), solar kit customers via the QOTTO partnership (Nano-Crédit), and parents financing school expenses (Crédit Scolaire). Savings products include Dépôt à Vue (flexible sight deposits), Dépôt à Terme (term deposits up to 8.5% annually), and Tontine (daily contribution savings).
Is cap-finances bénin a public or private company?
cap-finances bénin is a private company. It is classified as management employee owned and is currently operating.
When was cap-finances bénin founded?
cap-finances bénin was founded in 2009. It employs 11 to 50 people.
Where is cap-finances bénin based?
cap-finances bénin is headquartered in Cotonou, Benin.
How does cap-finances bénin make money?
Two revenue lines are on record. Credit Interest Income is the primary driver. The others are savings/Deposit Income.
Who are cap-finances bénin's main competitors?
Direct peers on record are Finadev Group, ACEP (Agence de Crédit pour l'Entreprise Privée), Advans (now Baobab Group) and Microcred (subsidiary of Natixis/Société Générale). Broad incumbents are Ecobank Benin, Orabank Benin and Bank of Africa (BOA Benin). Regional players are RENACA (Réseau National des Caisses d'Épargne et de Crédit Autogérées du Bénin) and COOPEC-CA cooperatives (Benin). QOTTO is listed as an emerging player.
Does cap-finances bénin have an API?
No public API is recorded for cap-finances bénin.
What industry is cap-finances bénin in?
cap-finances bénin's product category is Microfinance Services. Its primary akta.pro industry code is FSAKAAAG, Large Purchase & Lifestyle Personal Loans (Unsecured Installment), with a secondary code of FSAKAFAF, Retail Credit (Closed-End) & Promotional Financing (0%/Deferred Interest). Its NAICS code is 52229 and its SIC code is 6141.