Driving climate resilience through alternative credit
Last-mile operators are key to building climate resilience — from energy access to climate-smart agriculture — yet investors face fragmented portfolio data, manual workflows, and inconsistent reporting that slow capital flows.
Capital exists, but without standardised portfolios, monitoring, and investable structures, it cannot reach these operators at scale.
Enters masunga
Masunga builds digital and financial systems that standardise credit operations and generate decision-grade portfolio data. Our infrastructure connects last-mile operators selling on credit to institutional capital, enabling efficient asset-based operations and monitored off-balance-sheet financing.
We operate on two complementary layers: PaygOps, our open source solution supporting credit operations, and Bridgin, which enables off-balance sheet financing at scale.
6M+
Lives Impacted
40+
Countries Served
10Y+
Years of experience
150M
EUR in loans managed
Impact
PaygOps
Powering Efficient Operations
Transforming manual workflows into efficient credit operations and standardised, decision-grade portfolio data, Masunga's open-source, customisable, AI-powered web and mobile operations solutions help operators digitalise processes and scale credit—while feeding structured receivables data into our financing layer, Bridgin.
Bridgin
Financing Infractructure to Unlock Liquidity
Bridgin turns operational data into scalable off-balance-sheet financing. Using performance data from PaygOps or other systems, it enables asset-based distributors to convert receivables into liquidity while giving investors access to standardised, monitored portfolios structured through repeatable ring-fenced financing vehicles with ongoing reporting and cashflow visibility.
Our Investors
Our Partners
Recognitions
Siten Mandalia
Co-Founder & CEO
MEng. MBA Innovation, Entrepreneurship and Design course, Imperial College.
10 years experience in start-ups developing technology solutions in emerging markets. Managed multiple financing and successful exit transactions.
Benjamin David
Co-Founder & CTO
MSc. UPMC. MSc. Science Po
10 years of experience developing hardware and scalable software for the energy and microfinance sector.
Manon Dubois
Bridgin Lead
MSc. Science Po Paris
Ex AFD (French Development Agency), managed $1.5bn financing in Yaounde, Cameroon
Joao Magalhaes
Chief Operating Officer
MEng. Industrial Engineering and Management
9 years of experience in project management, finance and energy access solutions
Charlène Giraudier
Chief Customer Officer
M. in Strategy Toulouse Business School & INCAE Business School
Over 8 years experience in the Consulting Industry, managing digital transformation projects. Former Country Director at Solaris Tanzania,
Siten Mandalia
Co-Founder & CEO
MEng. MBA Innovation, Entrepreneurship and Design course, Imperial College.
10 years experience in start-ups developing technology solutions in emerging markets. Managed multiple financing and successful exit transactions.
Benjamin David
Co-Founder & CTO
MSc. UPMC. MSc. Science Po
10 years of experience developing hardware and scalable software for the energy and microfinance sector.
Manon Dubois
Bridgin Lead
MSc. Science Po Paris
Ex AFD (French Development Agency), managed $1.5bn financing in Yaounde, Cameroon
Joao Magalhaes
Chief Operating Officer
MEng. Industrial Engineering and Management
9 years of experience in project management, finance and energy access solutions
Charlène Giraudier
Chief Customer Officer
M. in Strategy Toulouse Business School & INCAE Business School
Over 8 years experience in the Consulting Industry, managing digital transformation projects. Former Country Director at Solaris Tanzania, managing home solar distribution and financing operations.