IFC to invest $25 million in Accial fintech fund to expand MSME lending in emerging markets

International Finance Corporation (IFC) is proposing a $25 million investment in the Accial Credit Impact Fund, a fintech-focused vehicle managed by Accial Capital Management, aimed at expanding access to credit for underserved businesses and individuals across emerging markets.

The planned investment positions IFC as an anchor investor in the $200 million fund, which will channel capital into financial technology firms providing loans to micro, small, and medium enterprises (MSMEs), particularly in Latin America and Asia, where access to traditional banking remains limited.

IFC targets fintech-driven financial inclusion

The investment underscores IFC’s strategy to scale financial inclusion through fintech lenders, which are increasingly bridging credit gaps left by conventional financial institutions. The fund is structured to allocate 60% of its capital to MSMEs, while the remaining 40% will support individuals seeking financing for productive economic activities.

A key focus area includes gender inclusion, with at least 20% of the fund dedicated to women-led businesses and female borrowers, addressing persistent financing disparities.

Accial leverages data-driven credit platform

Founded in 2018, Accial Capital Management has carved a niche in impact-driven private credit, managing over $200 million in assets. The firm integrates traditional credit underwriting with advanced data analytics through its proprietary ORCA platform, enabling real-time monitoring and risk assessment of fintech loan portfolios.

Anchor investment to mobilize global capital

IFC’s six-year investment is expected to catalyze additional funding, mobilizing between $50 million and $75 million from private investors. As an anchor investor, IFC’s participation is likely to enhance investor confidence and strengthen the fund’s credibility in global capital markets.

The move aligns with IFC’s broader strategy to crowd in private capital into high-impact sectors, particularly digital finance, where demand continues to outpace available funding.

Expanding access to finance across markets

By supporting fintech lenders, the fund is expected to expand access to essential financial services, including education financing, healthcare loans, and small business capital. It also aims to improve financial resilience among borrowers by strengthening cash flow management and economic stability.

Beyond capital deployment, IFC will provide advisory support to improve impact measurement and environmental, social, and governance (ESG) standards, reinforcing sustainable lending practices across Accial’s portfolio.