Melanin Kapital is a green financing platform that enables African SMEs to access sustainable finance solutions while allowing lenders to assess the carbon footprint of their portfolio and disburse sustainable loans at scale.

Access to green lending opportunities: African SMEs can access vetted green lending opportunities through Melanin’s disbursement and financing tools, improving their investment-readiness through a carbon scoring algorithm.

Subscription-based model: Melanin primarily targets banks and other institutional players seeking to decarbonise their investments and sustainably fund green companies through a subscription model that uses a platform-native algorithm to calculate carbon footprint and score investment profiles.

Green equipment financing: The platform offers green equipment financing solutions, including a BNPL (Buy Now Pay Later) option for solar panels, electric vehicles, and other green equipment.

Quick loan approval: Melanin provides quick decisions on loan eligibility, with loan approvals within 48 hours.

Competitive interest rates: SMEs can access cheaper and unsecured loans with interest rates of 16-18% per annum for 1.5 years.

Product Differentiation Factors

Native climate scoring system: The platform has integrated a native climate scoring system into its digital investment management process, allowing both lenders and businesses to track climate KPIs and adapt fund performance to meet green goals.

Data collection: To achieve SME carbon scoring, Melanin collects financial and climate data through various sources, including mobile money, IoT data, and bank information.

Credit scoring: The platform utilizes an AI algorithm for credit scoring to assess the creditworthiness of the SMEs.

Climate scoring: Melanin’s AI algorithm is used to evaluate the climate impact of the SMEs and determine their carbon footprint.