--- title: "Lendable alternatives" description: "Compare 99 published alternatives to Lendable." canonical_url: "https://liners.com/lendable/alternatives" markdown_url: "https://liners.com/lendable/alternatives.md" type: "product-alternatives" language: "en" updated_at: "2026-10-05T10:59:59.263Z" --- # Lendable alternatives Compare 99 published alternatives to Lendable. ## Breadcrumbs - [Lendable](/lendable) - [Alternatives](/lendable/alternatives) ## Summary Compare 99 published alternatives to Lendable. ## About these alternatives The most relevant **Lendable alternatives** to compare in African fintech credit and private-credit marketplaces are [WareFlow](/wareflowafrica), [Numida](https://liners.com/numida), [Advancly](https://liners.com/advancly), [Melanin Kapital](https://liners.com/melanin-kapital), and [Kopo Kopo](https://liners.com/kopo-kopo). The right pick depends on whether you need invoice or inventory finance, embedded credit infrastructure, or a lender-plus-payments workflow in your core market. Lendable is a technology-enabled investment platform focused on debt financing for emerging-market fintechs, alongside impact-focused funds and co-investments for global investors. It has on-the-ground presence in Nairobi and works with partners active across 73 countries. People look for alternatives to Lendable for practical, structural reasons: you may want a product that is clearly built for day-to-day MSME credit in specific African markets, a tighter fit for BNPL or inventory finance, or a platform that combines payments rails and credit in one operational workflow. None of this makes Lendable a poor choice; it means the market now has specialists worth comparing. ## What to Compare When Choosing a Lendable Alternative - **Where it operates**: check the countries supported, for example Kenya-only versus multi-country coverage. - **Credit model**: decide between invoice finance, inventory finance (stock on credit), unsecured working-capital loans, or credit-as-a-service. - **B2B vs B2B2C fit**: some tools focus on SMEs and suppliers, others support agent networks and end customers. - **Embedded finance and APIs**: if you need integrations, prioritise platforms positioned as credit infrastructure or embedded lending. - **Payments rails included**: if collections and payouts matter, look for support for mobile money and bulk payments alongside credit. - **Investment access**: compare whether the platform connects investors to receivables or credit products, or is purely lender-facing. - **Risk and scoring signals**: for scalable lending, look for credit scoring and data-led underwriting support. ## Compare Lendable Competitors by Use Case in Africa - **Invoice and supply-chain finance (Kenya)**: [WareFlow](/wareflowafrica) focuses on invoice financing and B2B payments for buyers and suppliers. - **Unsecured MSME working capital (Uganda, Rwanda, Kenya)**: [Numida](https://liners.com/numida) offers unsecured business loans up to UGX 30 Million, with a stated 24-hour turnaround. - **Embedded lending infrastructure (Nigeria, Kenya)**: [Advancly](https://liners.com/advancly) is positioned as credit-as-a-service with embedded finance APIs and credit scoring. - **Inventory finance and BNPL for retailers (Kenya, Uganda)**: [Zanifu](https://liners.com/zanifu) and [Sevi](https://liners.com/sevi) are built around stock financing where retailers buy now and pay after sales. - **Payments plus credit workflows (Kenya, Rwanda, Tanzania)**: [Kopo Kopo](https://liners.com/kopo-kopo) combines M-Pesa acceptance, supplier payouts, and credit for SMEs. - **Wider financial-services coverage (East Africa)**: [KCB Group](https://liners.com/kcb-group) spans retail, SME, corporate banking and investments across multiple East African markets. Scroll the Liners directory below to explore Lendable competitors inside [Fintech](/categories/fintech), then filter by [Lending and Loans](/tags/lending), [B2B](/tags/b2b), [Investments](/tags/investments), [Marketplace](/tags/marketplace), or [BNPL](/tags/bnpl). If you are comparing apps like Lendable in [Kenya](/countries/kenya) or looking for similar apps instead of Lendable, you can shortlist and compare options side by side. ## Alternatives | Name | URL | Tagline | Country | Rating | | --- | --- | --- | --- | --- | | Vale Business | /vale-business | Business banking that earns interest on your balance | Nigeria | | | Fewchore Finance | /fewchore-finance | Loans, investments, and advisory for Nigerian individuals and SMEs | Nigeria | | | Rouzo | /rouzo | Invest in sustainable small businesses and earn returns | Nigeria | | | WareFlow | /wareflowafrica | Unlock working capital with invoice finance and B2B payments | Kenya | | | Jia | /jia | Turn unpaid invoices into cash in under 24 hours | Kenya | | | Numida | /numida | Unsecured business loans up to UGX 30 Million in 24 hours | Uganda | | | BFREE | /bfree | Ethical debt recovery and collections automation for lenders | Nigeria | | | Yalu Loans | /yalu-loans | Apply online for unsecured business finance in 24 hours | South Africa | | | oliv | /oliv | Finance your e-invoices in 48 hours | Egypt | | | Qardy | /qardy | Apply for business loans and invoice finance online in Egypt | Egypt | | | Melanin Kapital | /melanin-kapital | Carbon finance and impact investing for African green SMEs | Kenya | | | Waribei | /waribei | Get stock on credit from partner suppliers via QR checkout | Côte d'Ivoire | | | Bridgement | /bridgement | Online working-capital finance approved in under 24 hours | South Africa | | | FlapKap | /flapkap | Fast, flexible funding based on business revenue | Egypt | | | Hadi Finance | /hadi-finance | Working capital for retailers and SMEs in Africa | Nigeria | | | Lendha | /lendha | Instant business loans and spend management for SMEs | Nigeria | | | Lendigo | /lendigo | Fast, collateral-free business loans for Nigerian SMEs | Nigeria | | | Obtainly | /obtainly | Payments and credit for inventory and purchase orders | Nigeria | | | Shara | /shara | Collateral-free SME loans up to ₦10M in Nigeria | Nigeria | | ## Related pages - [Product page](/lendable) - [Alternatives](/lendable/alternatives) - [Reviews](/lendable/reviews) - [Transparency](/lendable/transparency) ## Access and citation - [Canonical HTML page](https://liners.com/lendable/alternatives) - [Markdown route index](/sitemap.md) - [Agent access guide](/llms.txt)