Moniepoint loans exceeded $700m in 2025, with women-owned businesses receiving 36% of credit as the fintech expands financial inclusion

Moniepoint, a Nigerian fintech company focused on business banking and payments, has revealed that it disbursed more than $700m in loans to micro, small and medium-sized enterprises in 2025, with women-owned businesses accounting for 36 per cent of its total lending portfolio.

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The figures were contained in the company’s 2025 Impact Report titled Creating Financial Happiness, which highlighted how technology-driven lending is helping businesses previously excluded from traditional banking access formal credit.

Moniepoint said three out of every four businesses that received its loans in 2025 were accessing formal business credit for the first time.

The fintech explained that its lending model relies on transaction data and business cash flow patterns rather than traditional collateral requirements, allowing more small businesses to qualify for financing.

According to the report, businesses that received Moniepoint loans recorded a 36 per cent increase in average transaction value after accessing credit.

The company also stated that businesses using its platform supported more than eight million jobs during the year, reflecting the wider economic impact of improved access to finance.

Moniepoint loans to women-owned businesses recorded significant growth in 2025, rising by more than 300 per cent compared with previous periods.

The fintech said women accounted for 36 per cent of its loan portfolio, a figure it noted was above the estimated industry average of between 15 per cent and 25 per cent.

It added that 62 per cent of surveyed female entrepreneurs said a Moniepoint loan was their first formal business credit experience.

The company attributed the growth in lending to women partly to repayment performance, noting that female borrowers recorded a default rate 2.5 times lower than male borrowers.

Beyond credit access, Moniepoint said its payment infrastructure continued to support financial inclusion across Nigeria.

The company reported that customers using its USSD banking service processed transactions worth more than $170m in 2025, while its point-of-sale terminals operated across all 774 local government areas in the country.

Moniepoint also said its services reached about 100 million people through its payments network, while customer surveys showed that 83 per cent of users experienced improvements in their quality of life.

Commenting on the report, Moniepoint Group Chief Executive Officer, Tosin Eniolorunda, said the company remained committed to building financial systems that make credit and business tools more accessible.

“Building inclusive financial infrastructure remains central to our mission, and the progress recorded shows the impact of expanding access to finance for businesses across Africa,” Eniolorunda said.

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Moniepoint said it now employs more than 3,300 people across 10 countries and has received recognition from global business publications, including being named among TIME’s 100 Most Influential Companies in 2025 and the Financial Times’ Africa’s Fastest-Growing Companies.