Winter Holding Company, a diversified investment and operating group, continues to strengthen its position as a builder of the financial and technology infrastructure shaping Africa’s next economy through an integrated portfolio of businesses spanning financial services, climate technology and business advisory.

Founded in 2018, Winter Holding Company develops, invests in and scales businesses that improve access to capital, modernise financial services and address critical institutional challenges across key sectors of the African economy.

The Group’s portfolio comprises Treegar Capital, a Securities and Exchange Commission licensed investment management company; PennyTree, a fintech company providing digital financial services and B2B payment infrastructure; Penn Microfinance Bank, which has received Approval in Principle from the Central Bank of Nigeria; LaunchCapp, a private capital and alternative investments platform; Atunlo, a climate technology company behind CarbonScope360, Nigeria’s first locally developed enterprise carbon accounting platform; and Wilact, a regulatory, licensing and business advisory firm.

Together, these businesses form an integrated ecosystem with more than ₦13 billion in assets under management, united by a shared vision of building trusted institutions that expand financial inclusion, strengthen capital markets and create sustainable economic opportunities across Africa.

Commenting on the Group’s vision, Group Chairman of Winter Holding Company, Ayo Ogunlowo, said: “Africa’s future will be built by institutions that endure. At Winter Holding Company, our focus is not simply on creating successful businesses, but on building the infrastructure that enables capital to move efficiently, businesses to grow sustainably and economies to prosper. We are committed to developing trusted platforms that will serve individuals, enterprises and governments for generations.”

Looking ahead, Winter Holding Company aims to become one of Africa’s leading builders of financial infrastructure by combining technology, sound governance and strategic capital to create enduring businesses that support inclusive economic growth and long-term prosperity across the continent.

It is a diversified investment and operating group building the financial and technology infrastructure powering Africa’s next economy. Through its portfolio of companies across financial services, investment management, fintech, banking, climate technology and business advisory, the Group is committed to expanding access to capital, modernising financial systems and creating sustainable economic opportunities across Africa