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Coming nextOpens in 2027. Waitlist is live.

Credit for the group you already lend to.

Circle Credit is collateral-free group lending for four to six women who trust each other. No bank visits, no guarantor outside the group. The group is the guarantee.

01 / Who Circle is for

Groups of women who already lend to each other.

We finance the trust networks that already work.

Women in Ghana have been lending to each other for generations. Susu collections, church savings, market-stall rotations. The trust infrastructure is real, tested, and quietly compounding. Circle puts capital underneath it.

  • Susu collectives
  • Church savings groups
  • Market associations
  • Farming cooperatives
  • Trader unions

02 / The mechanic, in the open

The group is the underwriting.

Group size

4–6 women

Small enough to know each other.

Collateral

None

The group is the guarantee.

Guarantee

Each other

You vouch for them, they vouch for you.

If one defaults

Group access restricted

Repayment is collective. So is the consequence.

A group of women who already trust each other. That's it.

03 / How it will work

Five steps from forming the group to first repayment.

  1. Form your group

    Four to six women you already trust. Susu sisters, church savers, market women, anyone you'd lend ₵100 to without thinking.

  2. Register together

    One short visit. Each member is verified individually; the group is registered as a unit.

  3. Assessed collectively

    We underwrite the group's combined cash flow, not each individual's collateral. The group is the risk model.

  4. First disbursement

    Loans roll out across the group in rounds, not all at once. Each woman's loan stands alone, but the group is on the hook together.

  5. Group repayment

    Weekly repayment. Members keep each other honest. If one stalls, the group steps in before we do.

04 / Join the waitlist

Write to the team and we'll save your seat.

Email us with the names of the women in your group and the town you're in. We register your circle on the waitlist and write back the week we open. No money changes hands until then.

Write tohello@gayacredit.com
Join the waitlist

05 / Before you write

Questions people ask about Circle.

  • When exactly does Circle launch?

    In 2027. We are running Bloom first to prove the underwriting and the field operations. Once that book is healthy, Circle opens.

  • Do all members have to live in the same area?

    Same town, ideally same neighbourhood. The trust mechanic relies on you actually seeing each other most weeks. Long-distance groups don't underwrite well.

  • What if one member can't repay one week?

    First, the group helps her. That is the design. If the group can't cover the gap, the group's future loan access is restricted until the balance clears. The individual is not pursued alone.

  • Can my group apply for Bloom now and switch to Circle later?

    Yes. If two or more women in your future Circle group also run small businesses, apply for Bloom individually now. A clean Bloom history is the strongest signal you can give Circle when it opens.