In December 2004, Letshego was the first investment by Zephyr’s first pan-African strategy, Strategy: Pan African Investment.  At that time, Letshego was a provider of consumer credit to formally employed individuals using a payroll deduction model, whereby loan repayments were deducted monthly by the borrower’s employer from the employee’s salary.  The vast majority of Letshego’s customers were government employees. Strategy: Pan African Investment provided Letshego with growth capital and helped the company to expand into new markets, find other sources of funding for expansion, introduce new products, and restructure management incentive schemes, among other things.  Letshego has grown greatly during its 20 year life and is currently operating in 11 African countries.  Letshego operates under the belief that “inclusive finance requires the provision of simple, appropriate and affordable financial services to those who have historically been excluded from the formal financial sector.”

Letshego's business loan made it possible for this hardworking businesswoman in Kenya to start her own company that supplies baked goods to supermarkets and schools.

Letshego's personal loans allowed a couple in Kenya to renovate their shop, buy a car and construct a home.