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Companies

BFREE Africa

Debt collection and bad-loan recovery for lenders

Raised to date

$3.2M

of $3.2M offered across 1 Form D filing

Investors
6
Last filed
Apr 21, 2026

About

BFREE is a credit-management fintech that uses machine learning to recover and restructure defaulted consumer and SME loans in emerging markets. It runs a technology-enabled collections platform that combines predictive repayment models, chatbots, automated calls and a self-service borrower portal, and it also acquires non-performing loan portfolios from lenders outright or via recurring forward-flow agreements. Founded in 2020 by Julian Flosbach, Chukwudi Enyi and Moses Nmor, it has worked with more than 30 financial institutions across Nigeria, Ghana and Kenya and processed over $740 million in distressed loans.

Replaces aggressive human debt collection with machine-learning models that predict a borrower's ability to repay and route them into tailored restructuring plans, and pairs that platform with its own balance sheet to buy the non-performing portfolios it services.

Funding

  • EquityFiled Apr 21, 2026Form D
    $3.2M/ $3.2M

Product

BFREE credit management platform

Credit collections software

A technology-enabled collections and recovery platform for lenders holding non-performing loans. Predictive models score each borrower's probability and capacity to repay, then assign them to an engagement path across chatbots, automated calls, a webview self-service portal, or a human contact centre.

  • Machine-learning models predicting borrower repayment probability
  • Webview self-service portal where borrowers manage repayments across multiple lenders
  • Chatbot and automated-call engagement channels

Built for

Banks and digital lending platforms in emerging markets carrying non-performing retail and SME loan portfolios, with the defaulted borrowers themselves as the end users

People on file