What is Hadi Finance and how does it work?

Hadi Finance is a fintech platform that provides working capital, inventory financing, and invoice discounting to informal retailers and SMEs in Africa. It connects manufacturers directly to traders, enables purchases with delivery within 24 hours, and charges a 2-5% premium on goods while offering credit through a high-touch process with field agents for verification and support.

How much does Hadi Finance cost?

Hadi Finance operates as a digital lending and working capital platform, where costs are typically in the form of loan interest and fees that depend on the specific financing product you use

What countries does Hadi Finance operate in?

Hadi Finance operates in Nigeria, with a focus on Northern Nigeria and Abuja, and plans to expand across Africa.

How do I sign up for Hadi Finance?

You can sign up through their website at hadifinance.com by applying for financing, after which field agents visit your business within 12 hours to verify and approve.

Does Hadi Finance have a mobile app?

Yes, Hadi Finance has a mobile app available on both iOS and Android, where users can access credit, manage inventory financing, and handle business transactions

Who is Hadi Finance best suited for?

Hadi Finance is best suited for informal retailers, small provision stores, pharmacies, schools, and event halls in Nigeria's informal sector needing working capital, inventory financing, or invoice discounting.

How do I contact Hadi Finance support?

You can contact Hadi Finance support via their official channels: email at help-desk@hadifinance.com or phone at +234 707 656 8109

Does Hadi Finance have a plan for teams or businesses?

Hadi Finance focuses on individual informal retailers and SMEs rather than team or business plans.

Hadi Finance

🇳🇬 Nigeria

A working-capital platform that offers inventory financing, invoice discounting, and channel financing for informal retailers and SMEs across Africa.

Use it on:Web Android· 4.3 iOS

Is Hadi Finance right for you?

Best for

Informal retailers
SME owners
Inventory-heavy shops
B2B distributors
Businesses with invoices

What it does well

Inventory financing
Invoice discounting
Channel financing
Working capital loans

Things to check

Loan sizes offered
Repayment terms
Eligible business types
Required documents
Pricing fit

Hadi Finance is a working-capital fintech platform for informal retailers and SMEs in Africa that need faster access to trade credit for restocking, fulfilling orders, and managing cash flow.

Key capabilities include:

Inventory financing to help retailers restock supplies without paying upfront, supporting common informal-market businesses such as provision stores, pharmacies, schools, and event halls
Invoice discounting (invoice financing) to convert unpaid invoices into quicker cash, reducing long payment cycles for SME suppliers
Channel financing that connects retailers directly with manufacturers, supporting supply chain purchasing with financing
Fast disbursement within 48 hours, plus 24/7 support and a digital onboarding and credit-management app for managing access to financing

Available on Web (via https://app.hadifinance.com/register), IOS and Android.

Built for B2B users, including informal retailers, SME suppliers, and small businesses operating in Nigeria, including Northern Nigeria and cities such as Lagos, Abuja, Enugu, Akure, and Ibadan.

Notable in the African market context for focusing on working-capital access in the informal sector and combining digital tools with on-the-ground trust-building through field agents. The company was founded in 2022 and reports serving 2,000+ businesses.

As of Jun 22, 2026, Hadi Finance is rated 4.3 on Google Play from 13 reviews with 1K+ installs.

Phone:+234 201 330 9129

Social Links:

Categories:

Fintech

Features & Business Model:

b2b lending