Diligence memo · auto-generated · as of July 2, 2026
Aella Inc.
Aella Inc. looks fair against its niche peers and is dormant on financing cadence.
Businessfiled
Aella Inc. operates in Fintech, based in SOUTH GATE, LA, Nigeria; LA, Nigeria. Diversified credit infrastructure powering payments across Africa.
Sub-sector tags: Banking as a Service, Fintech, Microinsurance, fintech.
Capital & rounds (filed)filed
Aella Inc. has raised $655K in disclosed capital across 1 recorded round, aggregated from public filings. Its latest round is modeled as Pre-Seed (a round under $1.0M).
Largest single filing: $655K on 2019-09-13.
Most recent recorded round closed around 2019-09-13.
Valuation (modeled)modeled
Provath models Aella Inc. at approximately $29M (range $419K–$325M). This is an algorithmic estimate from round sizes and same-niche peers — not a quoted or reported figure.
Read: Fair. Modeled value is 1.31× the median modeled value of Pre-Seed Fintech companies in 2019–2021 (29 peers) — value vs value, same stage and era. Within the normal band (131% of peer median) for its niche.
Financing rhythm & timingmixed
Last raise 6.8 yr ago; this sector typically re-raises about every 12 months.
Only one round on record and long silent — often defunct, acquired, or gone quiet.
Comparablesmixed
Capital scale ranks ahead of 71% of Fintech peers (1063 compared).
Modeled value ranks above 79% of those peers.
Closest niche peers: Telda, Prospa, Kuda, Wapi Pay, Okra.
Peoplefiled
1 named person on file across officers, directors and signatories.
Risks & flagsmixed
Financing has been silent well beyond sector cadence — possibly defunct, acquired, or paused.
No clearly named CEO/founder/principal in the surfaced records — key-person evidence is thin.