Clear money for everyone. Capital for those who record it.

Across Africa, millions of capable people, shop owners and salary earners alike, can't get a loan. Not because they're risky, but because they keep no records. With no financial history, they're invisible to lenders, no matter how well they're actually doing.

You record every franc in and out with zero effort, a sale in your shop or your own salary and spending. Forward a mobile-money message, send a voice note, snap a photo of a receipt, or type a quick note, and Qonta's AI instantly turns it into organized, categorized records.

Then Qonta answers plain-language questions like “How am I doing this month?” and “Who owes me?”, so you always know exactly where you stand, without spreadsheets or accounting knowledge.

After a few months of recording real cash flow, Qonta can do what no traditional bank will: it uses that financial data to assess loan eligibility for otherwise “thin-file” borrowers, access to credit for qualifying businesses.

Loans are funded through licensed bank and microfinance (MFI) partners. Qonta is the underwriting engine that makes good borrowers visible to lenders, not the lender itself.

No app to download and nothing new to learn, Qonta lives inside WhatsApp, the tool you already use every day. Cafés, boutiques, salons, pharmacies, online sellers, any small business, and anyone managing their own money, can keep clean records and build toward the capital to grow.

Questions or want to get started? Message us on WhatsApp at 0787 820 842 or email hello@qonta.rw. We're based in Kigali, Rwanda.