Written by: Adoni Conrad Quenum
- Gigmile deploys more than 10,000 vehicles across several Ghanaian cities under its lease-to-own mobility model.
- The platform targets informal gig workers with flexible payments aligned to fluctuating income.
- The start-up integrates financing, mobility and financial inclusion to expand access to productive assets.
Ghana’s Gigmile positions itself as an innovative platform that merges fintech and mobility to address a pressing African challenge: enabling informal-economy workers—delivery riders, drivers and couriers—to access vehicles without the traditional barriers of credit checks or prior savings.
Gigmile is a digital solution developed by a Ghanaian start-up. The company provides a lease-to-own financing model through its flagship service, Gamma Mobility. The model adapts to gig workers’ fluctuating earnings. It offers flexible payments aligned with projected income and includes maintenance, insurance and required documentation. Founders Kayode Adeyinka and Samuel Esiri created the Accra-based start-up in 2022.
The company states that “thanks to partnerships with equipment suppliers and financial institutions, Gigmile offers automotive financing solutions with purchase options to disadvantaged informal workers in the logistics and transport sector.”
Workers can acquire a motorcycle, a tricycle or a car, use the vehicle for delivery or transport platforms, generate income and repay the asset gradually. Ownership transfers to the user once the plan ends. This approach converts an otherwise inaccessible productive asset into a tool for economic inclusion.
Recent figures indicate the scale of the model. The platform has deployed more than 10,000 vehicles across multiple cities, activated thousands of workers and enabled several hundred users to acquire their vehicles. A high repayment rate and intensive vehicle use confirm the viability of the model.
Gigmile aims to build financial inclusion and employability alongside mobility provision. By granting access to a productive asset, the company offers an alternative to precarious informal work, opens a pathway to entrepreneurship and supports an economic segment often unreachable through traditional banking channels.
In essence, Gigmile shows how an African fintech can combine technology, inclusive financing and mobility to create long-term opportunities. By democratizing access to vehicles, the platform reshapes access to work, autonomy and economic dignity for millions of workers across the continent.
This article was initially published in French by Adoni Conrad Quenum
Adapted in English by Ange Jason Quenum
