Xodus Capital Finance
Powering Financial Inclusion Through Telco-based Lending
Xodus Capital Finance is pioneering a smarter, more inclusive future for financial services in Africa. As a licensed and regulated microfinance institution (MFI) based in Tanzania, Xodus is using artificial intelligence and strategic telecom partnerships to unlock capital access for millions who’ve been left out of the formal financial system.
By embedding digital lending directly into mobile money ecosystems, Xodus meets customers where they already are—on their phones. It’s not just convenient. It’s transformative.
Building a Smarter, Fairer Financial System
Founded by Jelani Sutherland—a US Air Force veteran and former airline pilot, who left aviation to build a fintech company in Africa. Xodus was created to solve one of the continent’s most urgent challenges: How do you deliver affordable credit at scale in a market where 23% of people have access to formal banking—yet there's 100% mobile phone penetration? The answer is data—and more importantly, how it’s used.
Xodus leverages AI to analyze mobile transaction patterns, behavioral data, and financial activity to assess creditworthiness instantly and with precision. This eliminates the need for paperwork, collateral, or branch visits—enabling fast, fair, and automated lending decisions for people who’ve traditionally been locked out of finance.
“Using AI technology doesn't just make lending faster,” says Sutherland. “It makes it more human. It understands the realities of people’s lives in emerging markets, and it adapts.”
Strategic Partnerships, Exponential Reach
Through direct integrations with leading telecom operators, Xodus is positioned to scale its impact rapidly. These partnerships allow the company to tap into vast mobile money networks—reaching customers at the last mile with seamless disbursement and repayment flows.
Unlike traditional banks, Xodus doesn’t need to build physical infrastructure to serve its clients. It rides on existing digital rails, enabling it to grow faster, lend smarter, and serve deeper.
Capital That Moves as Fast as the Market
Xodus provides ultra-short-term microloans, typically around $5–$10, with 30-day terms. Using AI to automate credit scoring and risk analysis, the company can recycle capital up to 60 times per year. This velocity creates strong returns for investors and immediate impact for borrowers—who use the funds for daily needs, smooth out cash flow, or respond to emergencies.
With $1.1M in equity funding already raised, Xodus is now opening its doors to global debt investors who want exposure to Africa’s mobile economy—with strong upside and meaningful impact.
Powered by Purpose. Designed for Scale.
Xodus isn’t just building a lending platform. It’s building the foundation for generational wealth in Africa. With plans to expand across markets, they are launching a US-based nonprofit arm; The Xodus Africa Foundation. This furthers their commitment to accessible and inclusive credit, entrepreneurship, and closing the opportunity gap across the continent.
At Fourscore Business Law, we’re proud to support purpose-driven clients like Jelani Sutherland and the team at Xodus Capital Finance. They are creating the kind of scalable, values-led innovation the world needs more of.
To learn more, visit Xodus Capital Finance. or contact Jelani Sutherland
Picture on the top is by Blue Ox Studio and is in the public domain.