Rivy

The firm is led by CEO Dami Olawoye and COO Chioma Okotcha-Faloughi, as stated on the company's about page. Operational and credit authority appears to sit with this two-person executive team, though Rivy does not publish a separate investment committee or credit-officer roster.

Rivy has not publicly disclosed the composition of its capital stack. The absence of named debt providers or equity investors makes it unclear whether the ₦38 billion in disbursements has been funded through on-balance-sheet equity, third-party debt lines, or a blend. Any institutional allocator evaluating Rivy would need to request the liability-side breakdown directly.

All observable activity is concentrated in Nigeria, with customer testimonials referencing users in Aba, Calabar, Kaduna, Benin City, and Owerri. The firm serves solar vendors and installers, small-business owners, micro-grid contractors, and homeowners. There is no public evidence of operations outside Nigeria.

Rivy's public materials do not reference off-balance-sheet structures, forward-flow agreements, or asset-backed securitizations. The firm presents itself as a direct lender holding its own credit exposure, but this warrants confirmation during due diligence.

Rivy's website identifies three additional revenue channels: inventory finance for equipment vendors, a hardware marketplace called EnergyStack, and energy certificates that monetize avoided carbon emissions. This triple-stack model differentiates it from single-product solar financiers.