Trust, earned locally
Our agents live in the towns they serve. They know their customers, and their customers know them.
About BOL Credit
Built in Sierra Leone, for Sierra Leoneans
BOL Credit helps people own the smartphone they need, paid a little each week. Every on-time payment builds a credit record that opens the door to more, from airtime and electricity to loans for families and small businesses.
Our story
Most people in Sierra Leone pay for everything in cash, and very few have ever been offered fair credit. Without a credit record, it is hard to get a loan for a phone, for a business, or for anything else.
BOL started in Lungi with a handful of agents and a simple idea: let people pay for a good smartphone a little each week, and treat every on-time payment as proof that they can be trusted with more.
Today our agents work across Freetown, Lungi, Port Loko, Lunsar, Makeni, and Bo, with outlets in Lungi and Makeni. Customers pay with Afrimoney or Orange Money, and every payment grows their BOL score.
What we stand for
Clear and fair
One down payment, the same weekly amount, and no hidden fees. Our full pricing is published for anyone to read.
Technology that serves people
Mobile money payments, instant updates, and a score that rewards good habits. Simple on the outside, smart underneath.
Licensed and regulated
- Regulator
- Bank of Sierra Leone
- Licence
- Credit-only microfinance institution
- Company
- RaySwap Company Limited, trading as BOL Credit
- Registration number
- SL041224RAYSW23630
Leadership
NC
Nelson Conteh
Founder and CEO
Sierra Leonean-American. Economics at Stanford, MBA at London Business School, and a background in strategy consulting and project finance before founding BOL Credit.
Want to build this with us?
Investors, lenders, device makers, and mobile networks, we would love to hear from you.