Frequently Asked Questions


Our mission is to change the way small businesses access financial services.

Bright solves the lack of access to finance for small businesses, and lack of scalability of lending in the financial services sector.

Fifty percent of small businesses worldwide lack access to finance. The problem is especially bad in emerging markets where there is a credit gap of $5.2 Trillion for formal small businesses.

The credit gap has several causes: lack of accurate, dynamically refreshed small business data for credit risk assessment; legacy back office infrastructure in the financial services sector resulting in efficienty and cost issues; inherent bias in the lending process.

We are not the first to notice the problem for small businesses. This is one of the key issues that the World Bank is focused on, and their most up-to-date figures estimate a credit gap of $5.2 Trillion dollars in the emerging markets alone. There also remain significant frictions in the developed markets for small business lending.

There are others who are using their own specific approaches to tackling the problem, and we fully support all of their efforts in helping to solve such a large and important global issue.

Our approach is differentiated to others in the space by a number of ways: importantly, Bright's business model is not based on being a lender - we recognise that the total size of any lender's book has limits before it can no longer be managed and deployed effectively. The more scalable solution is a marketplace lending model, with Bright Network acting as an intermediary. Through our open protocol, the objective is to reduce the current friction in the lending and underwriting process and then let banks and other lenders provide much larger liquidity. The marketplace approach provides orders of magnitude greater lending liquidity than organisations set up to act as lender of record.

The other key differentiator is our technology, which is already built and battle tested, and has been developed by an engineering and data science team which includes numerous PhDs with oversight from some of the world's greatest minds in the computational risk, blockchain, credit risk and financial services spaces. Our advisers include Tomaso Aste of UCL and Robert Scanlon formerly Group Chief Risk and Credit Officer for Standard Chartered Bank, who come from very different worlds but bring decades of real world experience in understanding and managing risk for the financial services sector. You can learn more about our collaboration with our advisers in our White Paper and hear from them directly on Bright Network TV.

Bright was co-founded in May 2017 by Pierre Proner and Anthony Martin, experienced Fintech founders and entreprenuers.

The idea for Bright was spun out of successful Fintech company, AMPP Group, where many of Bright's team members worked together. AMPP works with government and the financial services industry in emerging and developed markets and AMPP's clients include ICICI Bank, Barclays Bank, First National Bank, and Access Bank Nigeria. AMPP has also worked with over 34,500 small businesses in the last 5 years.

AMPP and Bright are completely separate companies with a licensing agreement in place for the database of 34,500 small businesses that Bright will use to onboard early adopters to bootstrap the network. 650 have already been onboarded.

The two teams are separate and Bright has built a world class engineering and data science team, including several PhDs, along with team members in ops, risk, MSME outreach, marketing, and UX/design, amongst others.

No, each company has its own team. Bright team members who previously met whilst working at AMPP, have left and are now employed by Bright.

The core team, including our engineering and data science teams, is based in Shoreditch, London. We have other great people working with us in New York, San Francisco, Sydney as well as on the ground in our initial go-to-markets of Kenya, Nigeria and India.

Bright knows it cannot solve the emerging market credit gap from London, and we will have significant presence in our markets of operation - both directly through satellite offices, and through our partners such as Africa House London. We are also working closely with the governments of India, Kenya and Nigeria, where we already have relationships and advanced conversations in place.

Send a message to us!

Alternativaly find us on Telegram or for more technical chat on Discord! We also regularly attend events - check our Twitter for our whereabouts.

We are hiring and always on the look out for the best talent in engineering, ops, risk, finance, data science and marketing! Send your CV to

Yes! Send your CV and an introduction email to