People Opportunity Stronger Africa

Technology and capital for the small businesses that power developing economies.

Ucova invests in and builds practical fintech and software for small and medium enterprises, from payments and lending to business management tools, designed for local realities and built to scale.

See our portfolio Partner with us
Tilly POS is live in Liberia

About us

Small businesses are the growth engine of developing economies.

Ucova is a technology investment company focused on one of the world's most underserved growth engines: small and medium enterprises in developing economies. SMEs make up the majority of businesses and jobs in these markets, yet many still run on cash, paper records, and limited access to credit. We believe that gap is an opportunity.

We invest in and build fintech and software solutions designed for the realities on the ground, including payments, digital lending, business management, and infrastructure that connects informal enterprises to the formal economy. Every solution we back must be practical, affordable, and built to scale across markets.

Our goal is simple: a future where every small business, wherever it operates, has the tools and financial access to grow, compete, and thrive. By pairing capital with technology and local insight, Ucova helps entrepreneurs build stronger businesses and, through them, stronger economies.

The opportunity

SMEs create most jobs. Too many lack the finance to grow.

  • 90%

    of businesses worldwide are small and medium enterprises.

  • 50%+

    of employment worldwide comes from small and medium enterprises.

  • $5.7T

    estimated finance gap for micro, small and medium enterprises across 119 emerging and developing economies.

Sources: World Bank, SME Finance · IFC and World Bank, MSME Finance Gap report (2025)

Vision

A world where every small business in a developing economy has the digital tools, financial access, and technology it needs to grow, compete, and thrive.

Mission

Ucova invests in and builds technology that closes the gap for small and medium enterprises in developing countries. We back practical fintech and software solutions, from payments and lending to business management tools, designed for local realities and built to scale, so SMEs can operate efficiently, reach new customers, and access the capital they deserve.

Focus areas

What we invest in and build

Four areas where the right technology changes how a small business gets paid, borrows, operates and connects.

  • Payments

    Digital ways to accept, send and track money, so small businesses depend less on cash.

  • Digital lending

    Credit built on real business data, so growing SMEs can access the capital they deserve.

  • Business management

    Sales, inventory and record-keeping tools that replace paper ledgers and guesswork.

    Tilly POS

  • Infrastructure

    The rails that connect informal enterprises to the formal economy and the services it offers.

How we work

We pair capital with technology and local insight.

Each one makes the others more useful. Together they help entrepreneurs build stronger businesses and, through them, stronger economies.

Capital

We invest in companies building practical fintech and software for small and medium enterprises.

Technology

We build as well as back. Tilly POS, our live product, puts a full point-of-sale system on a shop owner's phone.

Local insight

We design for how business works on the ground. In Liberia, that means selling in Liberian and US dollars, on Android phones, with hands-on help at setup.

Every solution we back must be

PracticalIt solves problems businesses face every day.

AffordablePriced for the margins small businesses work with.

Built to scaleReady to grow across markets.

Portfolio

Built and backed by Ucova

Live in Liberia

Tilly POS

Run your store from your phone.

Tilly helps store owners sell faster, track stock, print receipts and barcode labels, and manage sales in Liberian dollars and US dollars. Our team helps each store set up its products, users and store details.

Built for

  • Mini-marts
  • Pharmacies
  • Boutiques
  • Cosmetic shops
  • Restaurants
  • Supermarkets
  • Retail stores
Visit tillyliberia.com Get it on Google Play

Android app available now. iPhone app coming soon.

Tilly POS

Liberia · LRD / USD

  • Fast checkout
  • Inventory control
  • Receipts & labels
  • Sales reports
  • Cashier roles
AndroidNow
iPhoneSoon

tillyliberia.com

What we stand for

Our values

  • Community-driven

    People at the center of lasting change.

  • Modern

    Forward-thinking and solutions-oriented.

  • Approachable

    Inclusive, supportive and human.

  • Trustworthy

    Transparent, credible and accountable.

  • Africa-connected

    Deeply rooted in Africa's potential and people.

Contact

Building for small businesses? Let's talk.

We work with founders, co-investors and partners who share our focus on small and medium enterprises in developing economies.

  • Founders

    Building payments, lending or business tools for SMEs? Send a short note on what you're building and who it serves.

  • Investors and partners

    Co-invest with us, or partner to bring practical tools to more small businesses.

  • Store owners in Liberia

    Looking for Tilly POS? Request account setup.