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BFREE Africa

Total raised

$3.2M

+$3.2M this year

1 filing since 2026 · latest Equity filed

Cumulative raised
LAST ROUND
Equity · $3.2M
ROUNDS
1
INVESTORS
6
FOUNDED
N/A
HQ
Washington, D.C., DC
SECTOR
Fintech
EMPLOYEES
N/A
30D VIEWERS
N/A

AI overview

Updated

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.

What sets it apart

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 history

1 round
Equity+1Apr 15, 2026 · $17K min
Form D
+$3.2M$3.2M total

Latest SEC filings

via EDGAR · CIK 0001946090
Form D · Apr 15, 2026View on EDGAR

Products

1 tracked

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
  • Human contact centre for escalated cases

Links

WebsiteLinkedInSEC EDGAR filings