Pepea Capital is a mission-driven fintech enterprise providing innovative, data-driven financing solutions to marginalized and underserved communities across Africa. Focused on financial inclusion, climate resilience, and sustainable enterprise growth, Pepea designs flexible financial products aligned with local realities, agricultural cycles, and climate risks. The organization targets smallholder farmers in several counties, including Trans Nzoia, Homabay, Nyeri and Meru. It assists farmers to purchase inputs on credit using the innovation platform. They do this by issuing a voucher which the farmers redeem for inputs from contracted agro-dealers. Farmers are also provided with agronomic services through the phone.