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.

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.

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.

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.

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Hadi Finance: Funding, Reviews & Alternatives (2026) – Liners

Hadi Finance

🇳🇬 Nigeria

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

Available on:WebAndroid

Visit Hadi Finance

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) and .