Charting the future of inclusive finance

Charting the future of


Accial Capital is an impact-focused, tech-enabled investor in small business and consumer loan portfolios in emerging markets

Accial at a Glance

Loans Financed
0 +
Platforms Screened
$ 0
In Loans Financed for Every $1 Invested

*As of Q3 2020

Our Story

Accial Capital seeks to reduce the emerging market credit gap by bringing capital, technology, data and domain expertise to innovative, responsible consumer and small business lenders in emerging markets.

Accial Capital’s team is composed of emerging market credit and data experts, having led the growth of an award-winning credit scoring technology used to approve millions of borrowers and $1Bn+ in loans in 20+ markets. In 2017 the team started progressively building a portfolio of emerging market consumer and small business lending investments.

Accial Capital is backed by Davis Capital Partners, a multi-billion AUM family office based in San Francisco. 

Our Edge

Technology & Data Driven

The ORCA (Ongoing Risk & Cashflow Analytics) data, risk management and reporting system is based on a decade of experience of credit scoring in a multi-market, multi-originator, multi-product context.


Accial Capital invests in responsible lending portfolios and measures impact through IRIS+ indicators mapped to United Nations Sustainable Development Goals.

Emerging Markets Expertise

Team members with deep emerging markets experience in fintech, investing, credit decisions, data and technology.

Introducing ORCA

Introducing ORCA

Our purpose-built proprietary risk management platform ORCA (Ongoing Risk and Credit Analytics) is tailored to alternative finance providers in emerging markets

Reliable & accurate data

Our system performs two stages of validation checks standardizing data across multiple platforms, resulting in a clean unified data source – a remarkable asset in EM.

Data Management is our Specialty

Years of experience working together at a predecessor company means that the team has “seen it all” when it comes to cleaning and working with fragmented data.

Accesible Anytime, Anywhere

ORCA sits on the cloud, available both on desktop and mobile and can be accessed by the internal team, investors, and lending platforms to provide full transparency on investments.

Bespoke reporting and data science

Data is simplified and organized into the data warehouse, becoming available as inputs to one-off analysis, custom reports, and data science processes related to risk and credit modeling.


We aspire to live in a world of
widespread financial wellness


We focus our investments in portfolios of loan products that generate resilience (income smoothing) and/or opportunity for end borrowers. All prospective lending platform partners must pass our Responsible Lending Framework to be eligible for investment. Adherence to the product focus and framework is overseen by Accial Capital’s Impact Management Committee.

Accial Capital is a signatory to the Responsible Finance Forum Investor Guidelines and is a member of the Global Impact Investing Network. Our membership signifies a commitment to deepening our engagement in the impact investing industry.


We directly measure impact by applying GIIN’s widely accepted IRIS+ indicators that are formally mapped to UN SDGs and thus broadly comparable.

IRIS+ Indicators Reported on by Accial Capital are formally mapped to the following UN SDGs.

Our Model

Primary Asset Class

Consumer & small business loan portfolios, originated by early to mid-stage, tech-enabled non-bank lenders in select emerging markets.

Data Management is our Specialty

Years of experience working together at a predecessor company means that the team has “seen it all” when it comes to cleaning and working with fragmented data.

Primary Engagement Model

Deep in-market research, comprehensive data gathering and analytics, constructive deal negotiation, constant monitoring and analysis through ORCA.

Primary Investment Structure

Senior secured loans backed by overcollateralized, off-balance sheet cash flows of eligible assets.

In the News

Investree receives US$15M from Accial Capital to provide loans to Indonesian SMEs | e27

Fintech lending platform Investree announced today that it has received a commitment of US$15 million from...


Indonesia fintech AwanTunai raises $20m to fund merchants | Nikkei Asia

Indonesian fintech startup AwanTunai announced on Monday that it has raised $20 million via a debt facility from Accial Capital...


Aflore raises up to $10m debt funding from Accial Capital to support Colombia’s unbanked population | LatamFintech

Aflore, a Bogota-based fintech startup, raised up to $10 million in debt from the private debt impact investor Accial Capital...

Mexican fintech ePesos closes $21M debt financing from Accial Capital | LatamList

ePesos, a Mexican fintech that allows employees to instantly gain access to funds, announced $21M in debt financing from Accial Capital...


Fintech startup Fvndit notches USD 30 million for its Vietnamese P2P lending firm | krAsia

US- and Vietnam-based fintech startup Fvndit has snagged USD 30 million debt financing led by private debt investor Accial Capital and alternative income investment firm Variant Investments...

Scroll to top