Case Study: Tchela Male achieves market-leading, fully digital 3-minute personal loans in Mozambique with TurnKey Lender

Outperforming all the local competition with fair, fully digital crediting

Tchela Male, a Mozambique-based personal-loan startup founded in 2019, set out to challenge a market dominated by government banks and aggressive loan sharks and to provide fair, fully digital credit despite weak credit bureau coverage. After evaluating nine e-lending solutions, Tchela Male selected TurnKey Lender’s Unified Lending Management Solution (with Portuguese localization) for its ease of use, configurability, and automated borrower communication.

TurnKey Lender delivered an end-to-end, white‑label ULM platform—covering origination, AI-driven credit decisioning, underwriting, servicing, collections, APIs and reporting—enabling fully remote loan processing and automated customer outreach. As a result (thanks to TurnKey Lender), Tchela Male issues loans to existing customers in about 3 minutes, offers the fastest and most accessible products in the market, achieved rapid word-of-mouth growth, implemented semi-automatic decisioning and automated tracking/reporting, and is positioned for potential Central Bank partnership and corporate lending expansion.

Tchela Male

Joao Omega

Co-Founder & CEO