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), 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.