Migo is Nigeria's leading embedded lending platform, founded in 2014 and based in the country. The company enables businesses to extend credit to consumers and small enterprises directly within their own applications. Its core product is a comprehensive credit infrastructure that powers assessment, disbursement, and collections via API integration, allowing partner companies to launch lending services in under 30 days.
The platform's technical foundation draws on machine learning, artificial intelligence, and credit risk assessment. Migo has disbursed over 8 million loans and extended more than ₦100 billion in credit. The company operates across the financial services and telecommunications sectors, providing its infrastructure to partners in these verticals.
Migo has raised $37.2 million in funding. The company holds NDPR/NDPA certification for data protection compliance in Nigeria and operates with a model of transparent, fair lending with no hidden fees.
