Who We Are

Link Exchange Micro-Credit Limited (LEL) is a microfinance company with the key objective of providing loans and investment services to consumers and small and medium enterprises. We are licensed by the Bank of Ghana to operate as a Tier 3 financial institution. Our mission is to provide lending and investment services through technology to everyone, anytime, anywhere.

Our Competitive Advantage

  • Harnessing Technology

    We leverage on user-friendly platforms, USSD and Mobile App to make loans easily accessible to all.

  • Mode of Operations

    Our strategy is to target both the banked and unbanked and our services will be accessed anywhere, anytime.

  • Loans Made Easy

    Our clients can easily apply for loans within 5 minutes through our Mobile APP and USSD platforms.

  • Strong Growth Agenda

    Our user-friendly technology will help reach millions of Ghanaians who do not have access to loans even within the remotest part of Ghana.

Directors and Advisors

Amos Afful

Chartered Accountant with 30+ years in financial services. Worked across West African countries in multiple sectors, including Ghana Civil Aviation Authority, Pharmaceutical, Textile and Hotel and Property industries. MBA and Member of the Ghana Chartered Institute of Taxation and Certified Public Accountant (CPA) of Liberia.

Kwesi Arhin

Chartered Accountant and Financial Management specialist with 40+ years in financial services. Worked at the Ministry of Energy, Ghana Highways Authority and Ministry of Works & Housing. Holds MBA, Finance option and a Bachelor’s degree in Business Administration (Accounts option).

Prof. George Apenteng

Principal Lecturer and Associate Professor at the Ghana Institute of Management & Public Administration (GIMPA), including previous leadership and executive roles at GIMPA. Former Chief Executive Officer at the Institute of Economic Affairs (IEA) and served in multiple roles within the ECOWAS Fund in Togo. Holds Masters degree, double Ph.D. degree and a Bachelors of Science in Economics.

Kweku Afful

15+ years experience in financial services. Worked in the Private Wealth at Goldman Sachs, London and as former Senior Consultant at FM Global. ACCA Fellow and Chartered accountant with an MSc in Investment Management and a BA (Hons) in Accounting and Finance.

Kwamena Afful

Commercial lawyer, Investor, Business Strategist and founder of PAVE. Worked with Bain & Company, Australia and the founding team of Bain’s African practice. Former legal practitioner with King Wood Mallesons (Mallesons Stephen Jacques) and HSBC (Treasury & Trading). Bachelor of Commerce (Finance & International Business) and LLB, and lawyer to the NSW Supreme Court.

Famfareba Kusi-Mensah

10+ years in financial services. Worked in the International Banking Sector and Project Management offices of the Royal Bank of Scotland. Holds BSc degree in Economics and Statistics and Certificate in Investment Operations.

Management

Kweku Afful - CEO

15+ years experience in financial services. Worked in the Private Wealth at Goldman Sachs, London and as former Senior Consultant at FM Global. ACCA Fellow and Chartered accountant with an MSc in Investment Management and a BA (Hons) in Accounting and Finance.

Matthew Tieku - Head of Consumer

20+ years in microfinance. Worked as branch manager with NBFI, Izwe Loans Limited District and Sales Manager at Bayport Financial Services. Holds BSc. Admin. in Management Studies and Professional Certificate in Computing.

Famfareba Kusi-Mensah - Head of Corporate

10+ years in financial services. Worked in the International Banking Sector and Project Management offices of the Royal Bank of Scotland. Holds BSc degree in Economics and Statistics and Certificate in Investment Operations.

Anne Nutsuklo - Head of IT

10+ years in programming and software development. Manages value chain and procedures on LEL digital solutions. She holds a BSc degree in Computer Engineering and is the co-founder of Nandimobile and mySMSPortal.