Oze

Founded
2018 (launched beta on Google Play Store) — Oze began as a tool to help African small businesses digitize and grow using data and machine‑learning business tools.

Founders & Leadership
Meghan McCormick — Co‑Founder & CEO
Dave Emnett — Co‑Founder & COO

Location
Accra, Ghana — with active operations and partnerships across multiple African markets including Ghana, Nigeria, Guinea, Benin, Rwanda, Madagascar, Zimbabwe, and Lesotho.

Industry
FinTech / Small Business Software & Digital Lending — focused on empowering micro, small and medium enterprises (MSMEs) with digital tools, business analytics, and access to capital.

Overview
Oze is a fintech and business‑management platform designed to support small businesses across Africa with digital recordkeeping, analytics, payments, and access to financing. Its mobile and web apps allow merchants to track sales, expenses, invoices, and receivables, while using aggregated data and machine learning to generate growth insights and evaluate credit risk. Oze also provides Lending Management Systems (LMS) that help financial institutions — including banks and microfinance institutions — originate unsecured digital loans to MSMEs with improved risk models. With partnerships across major commercial banks, Oze aims to build 100 million profitable small businesses on the continent.

Core Features & Capabilities
Digital Recordkeeping & Analytics: Track transactions, receivables, payables, inventory, and business performance.
Financial Tools for MSMEs: Generate professional invoices, manage cash flow, and access tailored business insights.
SME Loans & Financing: No‑collateral loan access and inventory financing via integrated lending partners.
Lending Management System (LMS): Tools for banks and lenders to digitize loan origination, credit scoring, and portfolio servicing.
Embedded Machine Learning Credit Models: Predict and assess business credit risk based on real transaction data.

Target Market
Micro, Small & Medium Enterprises across Africa seeking tools to formalize operations and access capital.
Financial Institutions (banks, microfinance institutions, fintechs) looking to deploy scalable digital lending solutions.
Underserved Businesses with limited credit history requiring alternative, data‑driven financing avenues.

Value Proposition
Oze empowers African small businesses by combining intuitive digital management tools with embedded finance and machine learning, enabling owners to digitize operations, improve decision‑making, and access affordable credit — while providing financial institutions with scalable, data‑driven lending solutions to serve this traditionally underbanked segment.