Waribei

Waribei is an inventory financing (avance de stock) platform for small merchants and their partner suppliers in French-speaking Africa, helping retailers obtain goods without paying upfront.

Key capabilities include:

• In-app eligibility and partner checks, merchants download the mobile app and verify whether a supplier is a Waribei partner before purchasing.
• Real-time credit visibility, the app displays the available advance amount so merchants know how much stock they can buy on deferred payment terms.
• QR code checkout (“waricode”), merchants generate a QR code in the app and present it at a partner supplier’s checkout for scanning, then receive goods immediately.
• Supplier-side tracking, the Waribei Fournisseur app lets suppliers register new stock advances and view the history of advances granted to customers.

Available on Android (Waribei Fournisseur on Google Play). Other end-user app platforms are not specified.

Target users include small retailers and informal traders, wholesalers/suppliers, and banks that provide the financing behind the inventory advances.

Notable in the region for focusing on working capital tied to supplier relationships (no collateral and no credit history required as stated), and for supporting merchants in Côte d’Ivoire and the wider French-speaking African market through a mobile, QR-based purchase flow.