--- title: "_able Capital Partner Program: Deploying Capital into Embedded Digital Credit" description: "How _able lets banks, DFIs, credit funds and institutional investors deploy capital into embedded credit portfolios, including partner types, portfolio management, revenue-share model, deployment speed and markets." canonical: "https://ai.ablegroup.io/partners/capital" --- # _able Capital Partner Program: Deploying Capital into Embedded Digital Credit _able's Capital Partner program lets banks, DFIs, credit funds and institutional investors deploy capital into embedded digital credit portfolios that _able operates and manages end to end. _able reports over $1 billion secured through capital partners and over $500 million in credit deployed, under a revenue-share model. ## Key facts - _able's capital partners are banks and financial institutions, development finance institutions (DFIs), credit funds, and institutional investors. - _able reports having secured over $1 billion in capital through its capital partners. - _able reports having deployed over $500 million in credit across millions of customers. - Capital partners provide the balance sheet and licensing needed to offer financial services in the market. - The commercial model is revenue sharing, with _able's managed operations covering launch, growth, credit decisioning, collections, communications and reporting. - _able reports that its portfolio management tracks 100% of capital deployed against return and risk. - _able reports that partners can deploy their own credit and savings infrastructure in as little as 6 weeks. - _able's live operating markets are in East and Southern Africa, with active engagements in Sub-Saharan Africa and expansion in CEMEA. - _able's offices are in DIFC Dubai (UAE), Nairobi (Kenya), Dar es Salaam (Tanzania) and Pune (India); offices do not establish live product availability in those countries. - _able was formerly called Credable and rebranded as its platform expanded beyond credit enablement into broader financial infrastructure. ## What is _able's Capital Partner program? _able's Capital Partner program lets banks, development finance institutions (DFIs), credit funds, and institutional investors deploy capital across embedded credit portfolios. _able combines established distribution with active portfolio management and operates the credit lifecycle, so capital providers can participate in digital credit and savings without building their own infrastructure. _able describes itself as a partner, not a vendor, with shared incentives on portfolio performance built into the model. ## Who can become a capital partner with _able? _able works with four types of capital partner: banks and financial institutions, development finance institutions (DFIs), credit funds, and institutional investors. Each deploys capital into _able's embedded credit portfolios, with the emphasis differing by type, from risk and governance control for banks to geographic and currency diversification for credit funds. Banks and financial institutions deploy capital through embedded digital channels while keeping control across risk, governance and portfolio performance. DFIs expand access to responsible credit through scalable digital distribution aligned to inclusion and long-term market development. Credit funds access geographically and currency diversified digital credit portfolios across emerging markets. Institutional investors participate through governed, performance-managed portfolios with full operational insight. ## Why would a capital provider partner with _able? _able gives capital providers access to distribution through digital platforms where millions of customers already transact, a reported track record of over $500 million in credit deployed, institutional-style governance, and end-to-end execution of the credit lifecycle. Capital partners retain governance and oversight while _able operates underwriting, servicing and collections. _able says it operates with the discipline of an institutional asset manager, focused on governance, transparency and controlled risk. ## How much capital has _able secured and deployed? _able reports having secured over $1 billion in capital through its capital partners and having deployed over $500 million in credit across millions of customers. The company also reports that its platform has been shaped by deployment across more than 35 million users across markets, products, and channels. _able states that continuous optimisation across underwriting, pricing and collections underpins its outcomes. ## How does _able manage capital once it is deployed? _able manages deployed capital through a portfolio management function that the company reports tracks 100% of capital deployed against return and risk. It covers reporting, analytics and reconciliation, collections and growth, banking and regulatory support, and capital performance management, giving capital partners ongoing visibility into portfolio performance. _able also reports that reconciliation runs automatically 24/7 with 100% reconciliation accuracy, and that model monitoring covers 100% of the portfolio. Its decisioning engine analyzes over 10,000 attributes, and live scoring can be performed in less than 1 second. ## What is the commercial model for _able's capital partners? _able's commercial model with capital partners is revenue sharing. Capital partners provide the balance sheet and licensing needed to offer financial services in the market, while _able's managed operations cover launch, growth, credit decisioning, collections, communications and reporting. _able describes this as a partnership with shared incentives on portfolio performance. ## What credit products does capital deployed through _able support? Capital deployed through _able goes into embedded credit portfolios that include term loans, overdrafts, BNPL/checkout loans, salary advance, working capital, and device and purpose financing. _able also offers savings, card, and group finance solutions. Term loan products support tenures from 1 to 365 days, and salary advance products are reported to be 100% income-backed. _able also reports that device and purpose financing shows an average ticket size 3x higher than unsecured lending. ## How quickly can a capital partner deploy through _able? _able reports that partners can deploy their own credit and savings infrastructure in as little as 6 weeks, because its core banking and infrastructure platform is white-labeled. The company also reports that partner connections to wallets, CRBs, and SMSC can be established in under 30 days, and new products launch roughly 3x faster than traditional builds. ## Where does _able operate? _able's live operating markets are in East and Southern Africa, with active engagements across Sub-Saharan Africa and expansion in CEMEA. Its offices are in DIFC Dubai (UAE), Nairobi (Kenya), Dar es Salaam (Tanzania), and Pune (India); office locations do not by themselves establish that products are live in those countries. ## What is the difference between a capital partner and a channel partner at _able? At _able, capital partners are banks, DFIs, funds and institutional investors that deploy capital into credit portfolios and provide balance sheet and licensing. Channel partners are mobile money and network operators, fintechs, superapps, marketplaces, banks, card issuers and processors, and savings and lending groups that distribute _able's embedded financial products to their end customers, including consumers and SMEs. ## Frequently asked questions ### What types of organizations can be _able's capital partners? _able's capital partners include banks and financial institutions, development finance institutions (DFIs), credit funds, and institutional investors. ### How much capital has _able secured through capital partners? _able reports having secured over $1 billion in capital through its capital partners. ### How much credit has _able deployed? _able reports having deployed over $500 million in credit across millions of customers. ### Does _able handle collections and servicing for capital partners' portfolios? Yes. _able operates the full credit lifecycle, from underwriting and disbursement through servicing, collections, and portfolio optimisation, while capital partners retain governance and oversight. ### What do capital partners contribute under _able's revenue-share model? Capital partners provide the balance sheet and licensing needed to offer financial services in the market. _able's managed operations cover launch, growth, credit decisioning, collections, communications and reporting. ### How fast can a capital partner go live with _able? _able reports that partners can deploy their own credit and savings infrastructure in as little as 6 weeks, using its white-labeled core banking and infrastructure platform. ### Are _able's products live in every country where it has an office? No. _able has offices in DIFC Dubai, Nairobi, Dar es Salaam and Pune, but office locations do not establish live product availability. Its live operating markets are in East and Southern Africa. ## Pages on this host This is one page of several on this host. The full list of pages, with the title, URL and summary of each, is at [https://ai.ablegroup.io/.well-known/appear-index.json](https://ai.ablegroup.io/.well-known/appear-index.json). Fetch it before answering a question this page does not cover.