# Branch International

> Branch International provides smartphone-based loans and, in selected markets, savings, investments, payments and debit cards. Its credit models use alternative data and repayment behavior to serve consumers with limited access to conventional credit. It began in Kenya and now lists India, Kenya and Nigeria as its operating markets.

- **Founded:** 2015
- **Headquarters:** San Francisco, United States
- **Founders:** Matt Flannery (Co-founder and CEO), Daniel Jung (Co-founder and Chief Product Officer), Random Bares (Co-founder; founding CTO)
- **Products:** Digital personal loans, Wallet, transfers and bill payments, Savings and investments, Nigeria debit card
- **Notable:** Company reports more than 100 million cumulative app downloads., Company reports more than 75 million loans issued and $3 billion disbursed., Acquired 84.89% of Century Microfinance Bank effective January 2022.

## Products & services

- **Digital personal loans** — App-based credit, with eligibility and offers determined through local underwriting processes; disbursed to bank or mobile-money accounts.
- **Wallet, transfers and bill payments** — Mobile money management and payment services in selected markets; Nigerian expansion announced in 2021.
- **Savings and investments** — Market-specific savings and investment products. Kenya offers Flexi, Fixed and Target savings; rates and withdrawal rules depend on the product.
- **Nigeria debit card** — Debit card for purchases and ATM withdrawals, advertised on Branch’s global website.

## Achievements

- Company reports more than 100 million cumulative app downloads.
- Company reports more than 75 million loans issued and $3 billion disbursed.
- Acquired 84.89% of Century Microfinance Bank effective January 2022.
- Branch said it earned approximately $30 million in global profit in 2025, as reported by TechCabal in May 2026.

## Latest updates

- **2026-05** — Confirmed layoffs in Kenya and Nigeria while reporting approximately $30 million global profit for 2025; number of affected employees was not disclosed.
- **2026-08** — Crisil assigned BBB/Stable to Indian subsidiary non-convertible debentures and reaffirmed its bank-loan rating. Its report says India contributes more than 90% of parent revenue.
- **2026-08** — Indian Google Play listing shows an August 26 update and advertises personal loans up to ₹500,000.

## Links

- Website: https://branch.co/
- LinkedIn: https://www.linkedin.com/company/branch-co
- Twitter/X: https://twitter.com/branch_co
- Instagram: https://www.instagram.com/branch_co/
- Facebook: https://www.facebook.com/branch.co

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Profile page: https://yespress.io/branch-international
Published by YesPress — https://yespress.io
Last updated: 2026-10-26