HAKKI AFRICA develops an algorithmic credit-scoring system and supplies used-vehicle loans targeted at taxi drivers who lack access to traditional banking. Since its founding in March 2019 and headquartered in Minato-ku, Tokyo, the company has financed more than 2,000 taxi drivers, helping them secure vehicles and stable incomes. Its core product is a machine-driven credit-scoring and lending platform offered to drivers and to microfinance/small financial institutions. The firm says this approach reduces lending risk and contributes to local economic development. HAKKI AFRICA plans geographic expansion to South Africa and India beginning in 2025 and will continue scaling its Kenya used-car loan operations. The company’s stated mission is to increase access to credit and create new credit histories for the financially excluded in emerging markets. HAKKI AFRICA builds algorithmic credit-scoring systems and supplies microfinance products aimed at enabling taxi drivers in Kenya to buy vehicles despite lacking traditional bank credit profiles or down payments. The company applies alternative and previously unused data to mechanize credit decisions and reduce lending risk. Its core product is vehicle-purchase finance secured by used cars, offered through its Kenyan subsidiary. HAKKI frames its mission around expanding financial inclusion for the estimated 1.8 billion people in emerging markets who face barriers to access. Financially, the firm reports strong topline growth while its Kenya subsidiary has posted operating and recurring-profit profitability for three consecutive periods, and consolidated recurring profit for two consecutive periods. The company is Tokyo-based and was founded in March 2019, and it plans to continue growth while maintaining profitability.

Total raised

$3M

Funding rounds

2

Latest round

Debt Financing

Latest activity

Aug 2025