Nithio Holdings Inc., is an energy finance platform that provides services to distributed energy service companies, capital providers, governments, and other stakeholders in the distributed solar energy sector in Africa. Nithio’s finance and underwriting tools allow for more detailed understanding of consumer credit, climate risk, and behavioral differences, even across individuals of similar profiles in Africa. With a more granular understanding of consumer credit risk in Africa, distributed energy companies can target new customers even in the most remote locations across the continent. Nithio also serves as the infrastructure for large capital providers to pool and deploy concessional funds. These funds can be used to support households without an ability to pay for energy services or can also be used to purchase consumer receivables directly from distributed energy companies, providing them with much needed liquidity and working capital–ensuring the growth and sustainability of the nascent industry.