2026 Gaya. All rights reserved
Gaya · collateral-free credit
Credit for the women African banks quietly miss.
Simple, collateral-free loans for business, salary, and the months that outrun the budget. No land, no house, no humiliation.
01 / Three doors in
One ecosystem. Three ways to walk through it.
Three products built to provide one thing: Relief.
01Bloom Business credit
For the shop you already run.
Collateral-free credit for businesses of all forms. Built for women who are already doing the work and just need the capital to match.
Read about Bloom
02Thrive Salary credit
For the month that outran your salary.
Salary advance for employed women, routed through your employer.
Read about Thrive
03Circle Group credit · Opens in 2027
For the group you already lend to.
Group lending for four to six women who trust each other. No collateral, no guarantor outside the group. The group is the guarantee. Waitlist is live.
Join the waitlist
02 / How it works
Three steps. No surprises.
The whole arc, from first email to disbursement. If a step doesn't apply to your product, your Loan Officer says so on the call. Nothing happens behind a curtain.
You write to us.
Tell us what you need support with.
Send an email, or fill the form below. We log the request and a real Gaya teammate writes back, usually the same working day.
We talk it through.
Plainly. No upsell.
A few simple questions about your business, your salary, your group, what is actually pressing. We tell you which product fits, and what does not, in plain English.
Money lands.
Mobile money the day approval clears.
Once you're approved, funds land in your mobile money or bank account the same working day. Terms and repayments are on paper before you sign anything.
Want it over email instead? Write to hello@gayacredit.com. A real person reads every message.
03 / Why women
The whole product is one idea, plainly stated.
Collateral-free credit, designed for the woman who already runs the business, the shift, or the group. Built around the trust she already keeps.
You do not need land, a house, or a large asset to start a conversation with Gaya. We underwrite the way money actually moves through your week (the stall, the salary, the susu round) and we price it where you can repay it without the month buckling under you.
- 01
Credit is gendered. So is the answer.
Sixty percent of African women earn their living informally. Fewer than one in five can borrow from a bank. The rest pay the street at ten percent a month. We are reaching the women the rest of the system has decided not to see.
- 02
Trust networks already work.
Susu collections, church savings, market-stall rotations. The infrastructure is real and quietly compounding. Gaya capitalises and underwrites it. We are not inventing a new behaviour; we are putting capital underneath one that already exists.
- 03
Women repay.
Across decades of microfinance evidence, women borrowers outperform on repayment. We underwrite cash flow, not collateral, and the relationship compounds: a clean loan earns a larger one on better terms.
04 / Before the form
Not sure which product is for you?
That is what we are here for. Tell us, in two lines, what is pressing (the shop, the salary, the group) and we will tell you whether Bloom, Thrive, or Circle is the right door. Same working day. Plain English.
05 / Start the conversation
Two lines. A working day. A real reply.
Tell us a little about yourself and what is pressing. A real Gaya teammate reads every message and writes back, usually within a working day.
06 / Before you write
Questions people ask, plainly.
The seven questions we hear most often, with the answers we give. If yours is not here, write to us. A real person reads every message.
Do I need collateral?
No land, no house, no large asset. Cash flow is the underwriting, not property.
Bloom needs a physical storefront and a guarantor. Thrive needs your employer's confirmation. Circle is the group itself. We'll tell you which one applies before you sign anything.
Is Gaya only for business owners?
No. Three products, three lives. Bloom is for women running small businesses. Thrive is for employed women. Circle Credit is for groups of four to six women applying together.
What happens after I submit the form?
A real Gaya teammate writes back, usually within a working day, Monday to Saturday. We ask a few simple questions over email and tell you which option fits, and which does not.
How fast does the money arrive?
Same working day approval clears. Most borrowers go from first email to mobile-money disbursement inside 48 hours.
Are there hidden fees?
No. Anything that applies to your loan is shown to you in writing before you sign.
No application fees. No fees for asking us a question.
Is Circle Credit available now?
Not yet. Circle opens in 2027. The waitlist is live now.
Read about Circle or write to hello@gayacredit.com with the names of the women in your group.
I'm not sure which option is right for me.
That is the most common message we get. Tell us, in two lines, what is pressing (the shop, the salary, the group). We will tell you whether Bloom, Thrive, or Circle is the right door, and what each one would cost.