Mula is an early-stage fintech startup dedicated to lifting Africans from poverty through comprehensive financial literacy initiatives, micro-enterprise funding, and strategic investments. We currently operate in Siaya County, Kenya, where we're making significant strides in transforming local financial ecosystems.
In rural areas across Africa, credit costs can reach staggering rates of 120% to 720% per year, creating insurmountable barriers for small businesses and families. At Mula, we're determined to change this reality by providing accessible, affordable financial services designed specifically for underserved communities.
Every household in rural Kenya loses significant money annually on essential goods due to inefficient supply chains and predatory pricing. Through our innovative solutions, we're creating pathways to financial freedom and sustainable growth for communities across Africa.
At Mula, we've developed a comprehensive ecosystem of financial services tailored to the unique needs of African communities. Our flagship digital wallet revolutionizes the way you manage your finances, providing simple yet powerful tools for saving, spending, and growing your wealth. Through Mula Groups, you can join a registered chama and partner with us for essential funding and financial growth opportunities. Our Manna service delivers monthly essentials to your door at low prices—perfect for families and small retailers, allowing you to buy in bulk and save significantly. We've also created Mula Plus+, a unique social welfare support system rooted in African values (terms and conditions apply). For businesses, our Otonglo solution offers a digital wallet that transforms your business finances, helping you grow savings and reinvest for success. Together, these services form a holistic approach to financial empowerment, designed specifically for the African context.
Inua Loans is a flexible lending service under Mula Groups that enables individuals and groups to access loans at competitive interest rates. Our goal is to make borrowing simple, affordable, and transparent, helping our clients meet their financial needs and achieve their goals without unnecessary financial strain.
Get your monthly essentials conveniently delivered straight to your doorstep at consistently low prices. Whether you’re stocking up for your family or managing inventory for a small retail business, our service ensures you save both time and money while enjoying quality products you can trust.
A unique social welfare support system inspired by and deeply rooted in African values of community, solidarity, and mutual upliftment. Designed to provide meaningful assistance and promote collective well-being, it blends tradition with modern efficiency to create lasting impact. Terms and conditions apply.
A powerful digital wallet designed to transform the way you manage your business finances. Seamlessly save, track, and access your funds while enjoying tools that help you grow your savings and strategically reinvest for long-term success.
Be part of our mission to transform financial access across Africa. Together, we can build a more equitable future.