Migo

Migo is a Nigerian embedded lending platform, founded in 2014, that allows companies to extend credit to consumers and small businesses inside their own applications through API integration. The company provides the full credit infrastructure - assessment, disbursement and collections - which partners can launch in under 30 days. It operates in Nigeria and works across fintech, financial services, consumer credit, small business lending and telecommunications.

Its technology stack is built around machine learning and real-time data analytics. A proprietary AI credit risk engine analyses hundreds of real-time consumer data points to determine loan eligibility, interest rates and repayment plans within seconds. Engineering work spans the embedded finance infrastructure itself as well as the models underwriting it.

Since 2014 Migo has disbursed over 8 million loans and extended more than ₦100 billion in credit. The company has raised $37.2 million in funding. It is NDPR/NDPA certified and compliant with Nigerian data protection regulations, and states a commitment to transparent, fair lending with no hidden fees or predatory practices. Further details are available at https://migo.ng/.