BFREE is an ethical credit manager in Africa that helps banks recycle non-performing loans into healthy assets. With their AI and ML-based credit collection process, BFREE collects up to 70% more than legacy collection approaches while automating 92% of all collection activities. BFREE has worked with over 40 financial institutions across Africa and either operates as a service provider or acquires distressed assets strongly discounted. BFREE has so far processed over four million borrowers in default with a combined portfolio value of over 400 million USD.