Credit should follow the salary, not chase the borrower.
Altura was founded to dismantle predatory consumer lending in East African retail — by anchoring every approval to verified payroll.
We anchor every approval to verified payroll, deduct repayments at source, and pass the savings on to staff in the form of lower fees and higher approval rates. The result: responsible salary-secured credit that's instant for staff, accountable for employers, and seamless for merchants.
Our mission
Replace predatory short-term debt with responsible salary-linked credit at the point of sale.
Our team
Operators from M-Pesa, Stripe, and leading African banks. Builders who have shipped financial infrastructure across the continent.
Our reach
Live with employers and merchants in Kenya. Expanding to Uganda, Tanzania, and Rwanda in 2026.
What we believe
Salary is the strongest collateral. When repayment happens automatically at payroll, defaults collapse and pricing improves for everyone.
Employers should see everything. Open audit trails, granular limits, and real-time controls — never a black box.
Merchants get paid first. Weekly automated settlements, never the 30-day waits that drain working capital.