---
title: "Finco Digital: Invoice Financing in Benin"
description: "Turn invoices into cash and offer B2B/B2C buy-now-pay-later in Benin and Francophone West Africa; apply in a minute, fund in 48 hours."
canonical_url: "https://liners.com/finco"
markdown_url: "https://liners.com/finco.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/finco/screenshot.webp?v=1778019940973"
published_at: "2026-05-08T19:57:27.571Z"
updated_at: "2026-10-05T03:01:17.096Z"
---

# Finco Digital: Invoice Financing in Benin

Turn invoices into cash and offer B2B/B2C buy-now-pay-later in Benin and Francophone West Africa; apply in a minute, fund in 48 hours.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Finco](/finco)

## Summary

Invoice financing and deferred payments for West African trade

A web-based neobank for Francophone West Africa that provides supply chain finance, reverse factoring, and B2B/B2C deferred payments for businesses and retailers.

## Product details

| Field | Value |
| --- | --- |
| Website | https://finco.digital/en |
| Tagline | Invoice financing and deferred payments for West African trade |
| Primary country | Benin |
| Platforms | Web |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

Finco is a web-based neobank for businesses in Francophone West Africa that provides financing products such as **supply chain finance (reverse factoring)** and **deferred payments (BNPL)** to improve access to credit.

Key capabilities include:

- **Supply chain finance (invoice-to-cash):** converts outstanding invoices into cash backed by the buyer’s creditworthiness, helping suppliers manage cash flow while waiting for payments.
- **B2B deferred payment (B2B BNPL):** enables merchants and suppliers to let business customers order now and pay later, designed to increase order size without requiring collateral in stated use cases.
- **B2C deferred payment (B2C BNPL):** lets merchants offer consumers flexible payment plans while the merchant receives payment upfront (highlighted for vehicle dealers).
- **Fast applications and funding workflow:** a three-step process with sign-up and identity verification, application submission “in a minute”, and payout after approval, including examples such as 48-business-hour pre-financing for healthcare insurance invoices and 48-hour funding against approved government contracts.

Available on **Web**.

It targets businesses and retailers across sectors such as **healthcare, electronics retail, manufacturing, vehicle dealerships, construction, and government contracting**, plus end-consumers who access BNPL through participating merchants.

Notable in the region for its stated **data protection compliance in Benin** under the Digital Code (Law No. 2017-20) and registration with **APDP (Autorité de Protection des Données à caractère Personnel)**, supporting locally compliant financing in Francophone markets.

## Features

- [Fintech](/categories/fintech): Category
- [AI-Powered](/tags/ai-powered): Product feature or technology
- [B2B](/tags/b2b): Product feature or technology
- [B2C](/tags/b2c): Product feature or technology
- [BNPL](/tags/bnpl): Product feature or technology
- [Lending and Loans](/tags/lending): Product feature or technology
- [Neobanks](/tags/neobanks): Product feature or technology
- [Benin](/countries/benin): Market

## Related pages

- [Alternatives](/finco/alternatives)
- [Reviews](/finco/reviews)
- [Transparency](/finco/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/finco)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)