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Xorla
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01 · Xorla Honest Capital

Own a piece of home.

Xorla connects Liberians at home and abroad with small businesses we have audited, valued and structured. Scroll to see how.

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  • 70%+of GDP comes from small and medium businesses
  • $2B+estimated SME financing gap
  • ~80%of SME loans in distress or non-performing
  • 500K+Liberians abroad who want to invest at home

How it works

From first call to monthly report.

Five steps, done by our team, so owners and investors can trust what they sign. Keep scrolling.

Apply or get recruited

The owner shares the business registry, sales history, photos, years in operation and background documents.

Loan versus equity

Drag to see the difference.

The same shop, the same owner. One partner profits either way. The other wins only when the business does.

“Monkey work, baboon draw.”
A Liberian proverb

Xorla equity

A partner who wins only with you.

  • Receive capital as an equity investment
  • No collateral. No property at risk
  • Financial training, inventory tools and consulting
  • Grow, then investor and owner profit together
  • The investor wins only when your business wins

The owner's month

  • Week 1Stock count with Xorla✓
  • Week 2Sales up, cash tracked✓
  • Week 3Training: pricing✓
  • Week 4Report sent to investors✓

A microloan today

A lender who profits either way.

  • Borrow at crushing rates, repaid daily
  • Put up property as collateral
  • No financial training or business support
  • Default, lose property, take new debt
  • Lender profits whether you win or fail

The owner's week

  • MonDaily repayment−1,500
  • TueDaily repayment−1,500
  • WedSlow day, still pay−1,500
  • ThuLate fee−400
  • FriNew loan to pay the old+20,000

Built for how Liberia does business

Liberia already knows how to pool money.

We did not import a foreign model. Xorla grows out of habits Liberians already trust. Move your cursor across this section to look closer.

  • Susu, grown up

    Liberians already pool money in susu clubs, where members take turns receiving the pot. Traders say it keeps shelves stocked but is not enough to grow. Xorla brings outside capital to the same spirit of pooling.

  • Market women first

    UN Women estimates about 85 percent of daily market traders in Liberia are women. Our process is built for them: plain language, phone calls and in-person visits, not just forms.

  • Mobile money ready

    Markets already run on Lonestar MTN and Orange mobile money. Deals are sized so capital can move the way Liberians already move money.

  • Two currencies, honest maths

    Life runs in Liberian and US dollars. Every deal shows both, at the rate we publish, so nobody is surprised.

Sources: UN Women on Liberian market traders; Sirleaf Market Women's Fund and Liberian Investigator on susu groups; UNCDF and Central Bank of Liberia reporting on mobile money.

After you invest

You never invest in the dark again.

No more phoning a relative to ask how the shop is doing. Xorla monitors every business and reports to you every month.

  • We visit, you see

    Our team checks the shop, the stock and the books in person.

  • Real numbers

    Sales, profit and progress against the plan you agreed to.

  • One report a month

    Delivered wherever you live, for the full monitoring period.

Safeguards

Six layers between your money and the unknown.

Trust is the problem we exist to solve. Hover a layer to see where it sits in the shield.

Join in 60 seconds

Your first step takes a minute.

Apply now

All 15 counties

Built for every corner of Liberia.

From Monrovia to Harper, honest capital should reach every county. Explore where businesses are applying.

Bensonville

Montserrado County

Our pilot starts here, in and around Monrovia, before we grow county by county.

Businesses that applied
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Deals listed
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0 businesses across Liberia have applied so far. Tap any county to explore.

Open deals

Businesses you can back today.

Each listing was audited and visited, and shows its risks as clearly as its upside.

All deals

The first businesses are in due diligence now. Register to see them before anyone else.

Get early access

Questions

Straight answers.

Anything else? Ask in the chat or write to us.

Is this a loan?

No. An investor buys a share of the business. There is no interest, no daily repayment and no collateral. The investor earns from the business's profit and from an agreed exit.

Does it cost anything to apply?

No. Reviewing your application is free, and Xorla will never ask you for money to review it.

How do investors follow their money?

Every month Xorla visits, checks the books and sends a financial health report. Monitoring runs for 12 to 24 months.

What are the risks?

Small businesses can lose money or fail, and equity can lose value. Every deal lists its own risks, and you should only invest what you can afford to leave in for the full term.

Can I invest from abroad?

Yes. Xorla was built for Liberians living abroad. Reports reach you wherever you are.

We moving together

Liberian capital, working for Liberia.

Whether you run a shop in Paynesville or work a night shift in Minneapolis, there is a place for you here.

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