UNICORNS Strategy & Growth
Market entry, portfolio choices and operating models for boards deciding where the next decade of revenue comes from.
Founded 2021 · Accra, Ghana
A consulting firm that also runs a fintech business.
We advise boards on strategy, capital and operations. Where the advice needs software to become real, our fintech arm — Unicorns Pay — builds and operates the payments, treasury and lending infrastructure behind it.
- GH₵ 4.2bn
- Capital advised
- 340
- Engagements delivered
- GH₵ 610m
- Processed on Unicorns Pay in 2025
- 92%
- Clients who return
The consulting practice
Four practices, staffed by the people who did the work before.
Capital & Transactions
Funding structure, diligence and post-deal integration — from the first valuation memo to a signed facility.
Operations & Cost
Process redesign, sourcing and shared services programmes measured on cash released, not slideware.
Risk & Regulation
Licensing, financial crime controls and supervisory response for institutions under active scrutiny.
Our fintech business
Unicorns Pay
Unicorns Pay is a licensed payments and lending business we own and operate. It began as client work, and now moves money for mid-market companies across Ghana and across West Africa. Consulting clients can use it; so can anyone else.
Payments & settlement
Collections, payouts and reconciliation across bank rails and card schemes, with treasury visibility in one ledger.
Embedded lending
Underwriting, disbursement and collections for businesses that want to offer credit inside their own product.
Compliance tooling
Identity checks, transaction monitoring and audit trails built to survive a regulator's questions.
- GH₵ 610m
- Processed in 2025
- 1,840
- Business accounts
- 99.97%
- Settlement uptime
- Licensed
- Bank of Ghana licensed
Agriculture trading
Unicorns Agro
We source, grade and export West African agricultural commodities, working directly with farming cooperatives and delivering to buyers worldwide.
Cocoa
Fermented, sun-dried cocoa beans graded for export, with traceability back to the cooperative.
Shea butter
Raw and refined shea butter and shea nuts for cosmetics and food manufacturers, in bulk or packed.
Moringa
Dried moringa leaf, powder and seeds, processed hygienically for nutrition and wellness brands.
Where we work
- Banking
- Agriculture
- Payments
- Energy
- Manufacturing
- Public sector
Selected outcomes
GH₵ 180m
Capital arranged
Structured and syndicated a growth facility for a regional lender, closing four weeks ahead of plan.
31%
Cost removed
Rebuilt back-office operations for an insurer, holding service levels while retiring three legacy systems.
7 days
To first payment
Took a manufacturing group from decision to live supplier payouts on Unicorns Pay.
Tell us what you are trying to decide.
Forty-five minutes with a partner and, where payments are involved, someone from Unicorns Pay. No deck — a straight read on whether we are the right firm for it.