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BFREE

BFREE is a pan-African specialist investor and credit management platform focused on distressed consumer and SME credit.

Founded in 2020, BFREE brings together distressed asset purchase, collections-as-a-service and data-driven credit recovery. BFREE uses machine learning and behavioural analytics to assess borrower patterns and determine appropriate recovery strategies, while automated workflows, chatbots, callbots and IVR systems manage borrower engagement at scale. Its self-service tools allow borrowers to negotiate repayment plans, restructure loans and manage outstanding debt digitally, complemented by contact-centre support where human intervention is required.

Today, BFREE operates across Nigeria, Ghana and Kenya and is building a broader market for distressed credit across Africa. Its technology and operating infrastructure allows it to manage portfolios across markets while maintaining an emphasis on transparent, ethical and customer-centric recovery practices.

Region

Africa

Sector

Fintech
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Company Leadership

  • Founder photo

    Julian Flosbach

    Julian Flosbach

    Julian Flosbach is a finance and strategy professional whose career has spanned investment, consulting and financial services in Europe and Africa. He began in investment banking and private equity-related work. His unique experience coming from a combination of financial analysis and hands-on operations shaped his approach to building BFREE at the intersection of technology and financial services. Julian holds a Masters degree in business studies from the Frankfurt School of Finance and Management and an undergraduate degree from the Technical University of Cologne.
    LinkedIn: Julian Flosbach (opens in a new tab)

  • Founder photo

    Chukwudi Enyi

    Chukwudi Enyi

    Chukwudi Enyi is a marketing and growth executive with experience spanning consumer technology, payments and financial services in Nigeria. He began his career in marketing and account management, customer acquisition, retention and commercial strategy. His career has centred on building customer-facing businesses, translating market needs into growth strategies and operating in rapidly changing technology environments. He studied Philosophy at the University of Lagos and Marketing Research at Pan-Atlantic University.
    LinkedIn: Chukwudi Enyi (opens in a new tab)

  • Founder photo

    Moses Nmor

    Moses Nmor

    Moses Nmor is a technology and commercial operator whose career has moved across technical support, sales, business development and product management, combining his understanding of customers and commercial operations with an interest in how digital products are built and adopted. That blend of technical, commercial and product experience has remained central to his career as a technology entrepreneur, which led him to co-found BFREE.
    LinkedIn: Moses Nmor (opens in a new tab)

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