We're closing the gap
between work and pay.
Ulalo was built in Lusaka for the way Zambia actually gets paid: every day worked, once a month rewarded. We exist to shorten that wait — fairly.
Payday shouldn't be
the only day that matters.
Most financial trouble starts in the wait between earning and being paid — and payday lenders have built an industry inside that gap. We're building a bridge across it instead.
How we got here.
The idea
After years inside Zambian payroll systems, our founders kept seeing the same thing: people borrowing at brutal rates to bridge a wait for money they'd already earned.
First employers
We launched wage access with a handful of Lusaka employers and proved the model — workers leaving payday lenders, payroll teams reclaiming their week.
The deduction console
Employers asked us to untangle every other deduction too. We built one reconciled view with the statutory cap enforced automatically.
A fair marketplace
For the times wages aren't enough, we opened a transparent marketplace where licensed lenders compete on fair, affordability-checked terms.
Built by people
who know payroll.
Chanda Mwale
Co-founder & CEO
Thandiwe Banda
Co-founder & Product
Joseph Phiri
Head of Payroll
Mutale Chileshe
Head of Trust & Risk
Want to build
the bridge with us?
We're hiring across engineering, payroll, and trust.
See open roles →