Deploy capital into
emerging-market
education
- protected.
Aveka provides a structured origination and workflow infrastructure for regulated financial institutions to deploy capital into the international student lending market. All credit decisions, loan terms, and disbursement conditions are set exclusively by the lending partner.
A structured lending
partnership
with clear returns
Aveka handles all origination, KYC, credit assessment, and collections. You provide the capital. The structure is designed to protect you first.
Structured First-Loss Protection
Where agreed under individual partnership terms, a First-Loss Default Guarantee (FLDG) can be structured and held in escrow prior to disbursement. The percentage and terms are agreed with each lending partner individually. All FLDG arrangements are deal-specific and subject to separate commercial agreement.
Verified, University-Backed Borrowers
Every borrower holds a confirmed university offer from an accredited institution. All applications undergo KYC, academic verification, and credit assessment before reaching you.
Full-Service Origination
Aveka manages origination, documentation, disbursement to universities, and in-country collection in the borrower's local currency. No operational overhead for your team.
Growing Pipeline, 9 Markets by 2026
Active origination across Nigeria, Kenya, Ghana, South Africa and Brazil - with Nepal, Mexico, and Peru onboarding through 2026. Volume scales at your pace.
Transparent Portfolio Reporting
Monthly portfolio performance data covering disbursements, repayment rates, PAR30, and NPA tracking. Full documentation available on request under NDA.
Customisable Partnership Terms
We work with your credit team to structure deployment limits, geography preferences, loan tenor, and return parameters. Pilot allocations available to new partners.
Where we source
borrowers
All markets have active origination infrastructure, local KYC capability, and in-country collections teams.
Nigeria
Largest active market. Strong demand for UK & Canadian programmes. Deep local collections infrastructure.
Kenya
High-growth market with strong UK university preference. Mobile-first origination deployed.
Ghana
Active portfolio with established lender relationships and university MoU network.
India
High-value applicant pool with strong academic profiles. Primarily UK and Australian destinations.
South Africa
Growing workforce and student pipeline. Origination live, portfolio building.
Brazil
LATAM entry market. Early pipeline active, full origination infrastructure deploying through 2026.
Interested in
a
lending partnership?
We work with a limited number of institutional lending partners. Leave your details and our team will follow up under NDA.
For regulated financial institutions only. Engagement is subject to mutual NDA. All partnership structures are agreed individually and do not constitute a standard product offering. Aveka is a technology facilitation platform and does not act as a lender, financial adviser, or regulated entity in any lending jurisdiction.