For founders navigating the Mono-Lender Crunch, the challenge is not just growing fast—but evolving intelligently. Early success in lending is necessary—but not sufficient—for long-term valuation creation. The real leverage comes from smart product expansion, balance sheet innovation, and narrative control. The most compelling fintech opportunities often arise where founders unlock structural mispricings—rare pockets of inefficiency in credit markets—or reimagine distribution in a way incumbents can’t.

We have developed a robust Country Risk Framework to guide our investment decisions. This tool, introduced by our Macroeconomics Advisor, Nick Stadtmiller, combines social and macroeconomic indicators to offer a holistic view of potential risks.

In our recent quarterly review, macroeconomics advisor Nick Stadtmiller presented a detailed analysis of the risks under Trump, breaking down how fiscal policies, geopolitical maneuvers, and trade strategies could impact global markets.

Debunking the most common misconceptions we deal with on a daily basis through data and examples from our every day at Tomorrow Capital. From how credit businesses create equity value to the depth of talent in our target markets.

We’ve had a fantastic week in Singapore connecting with some strategic investors and expanding our understanding of the region. South-East Asia marks the third key region in our geographical strategy, complementing our efforts in LATAM and other regions.

Talent and technology are critical, but access to high quality capital is vital to unlock this potential. Lending volume is 50% lower ingrowth markets, despite the number of entrepreneurs and consumers greatly exceeding the developed world. Explore how this situation is evolving.

In our recent quarterly meeting with our Macroeconomics Adviser, Nick Stadtmiller, we delved into the economic and political landscapes of the Philippines and Indonesia for 2024.

In our recent quarterly meeting with our Macroeconomics Advisor, Nick Stadtmiller, we discussed the key macroeconomic themes in Africa from the first quarter of 2024, with a particular focus on the risks and opportunities in Egypt, Kenya, and Nigeria.

Having spent a week at PakLaunch meeting with friends, investors and founders building and investing in Pakistan we have been overwhelmed with the size of opportunity while beginning to understand the challenges for the South Asian nation of 249m people.

A first-hand insight into Kenyas blooming start-up community from 10 days with local investors, founders and key players.

AI has a wide range of applications throughout the lending cycle - from improving credit approvals & product offerings, to streamlining application processes and collections

A deep dive into the three main ways in which a tech enabled business can provide/drive the provision of credit. These are: Pure Loan Origination, Off-Balance Sheet Lending and On-Balance Sheet Lending.

In emerging markets, the majority of workers earn very low incomes and work in informal economies. As a result, these individuals live paycheck to paycheck and are often unable to access traditional forms of credit - many work in informal economies and lack financial histories due to cash dominant environments, making banks reluctant to give them loans. 

Egypt is a country of 110m people with low banking penetration across the country. A historically cash driven economy the last 2 years have seen a huge uptick in digitalisation.

In emerging markets, owning a vehicle is more of a necessity than a luxury: a vehicle, is not only a key store of value, vital to navigate the complexities of daily life but also a corner stone of engaging in economic activity.

Financial inclusion is the process of providing suitable financial services to ‘unbanked’ individuals and businesses in an affordable, sustainable and ethical way.

In this article, we examine these effects, introduce some other emerging-market specific trends and discuss the future of emerging market economies.