We make last mile credit work
Micro asset finance gives people and small businesses the essential tools they need to grow. Think $100–$2,000 loans for solar systems, farm equipment, water solutions and other productive assets.
It is a regulated, transparent credit product that separates credit from sales, protects customers, and delivers sustainable returns.
In short, real inclusion with real assets.
From paygo to micro asset finance
In October 2025, PAYGo Lab became Micro Asset Finance Lab.
The change reflects what our work has proven. After supporting 40+ operations and analysing over 4 million contracts, we learned that low repayment is not a people problem. It is a model problem.
PAYGo bundles sales and credit, which creates conflicting incentives. Short-term survival wins, long-term portfolio health loses. The result is weak completion rates, company failures, and investors stepping back.
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Micro asset finance is the fix. Separate sales from credit. Let last-mile distributors sell and service. Let regulated financial institutions own credit and manage risk. Align incentives, protect customers, and build truly bankable cash flows.
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Our mission is the same: access to essential assets and a sector that does good for customers. Our focus is sharper.
We are not patching PAYGo. We are building the market design that works.