The Sycamore Credit Story begun in 2018 when our founder Audrey Mwala, who had spent over 20 years working in public finance, saw the struggle that many Malawians were faced with when attempting to access short term credit. She was taken aback by the stories of every day Malawians who, having failed to gain credit from financial institutions resorted to loan sharks and other informal sources. These were stories which so often ended in heartbreak and strife for the people involved.