Zanifu

Zanifu is a Kenyan fintech platform that provides inventory (stock) financing for MSMEs, small retailers, wholesalers, and distributors that need working capital to procure stock from suppliers and repay after selling.

Key capabilities include:

• Buy now, pay later for inventory: retailers can access stock from their distributors (online or offline) and pay back after goods are sold, aligned to real trading cycles.
• Real-time supplier payments: the platform pays suppliers immediately, supporting instant liquidity and faster inventory turnover.
• Zero-collateral access: qualifying businesses can access financing without traditional collateral or a long credit history, based on existing retailer to supplier relationships.
• Direct payments: supports fast fund transfers for paying without delay.

Available on Web and Android (via the “Zanifu Shop – Business Loan” app on Google Play).

Built for Kenyan SMEs and retail trade networks (retailers, wholesalers, distributors, and suppliers), with a broader focus on small retailers in Sub-Saharan Africa.

Zanifu is notable in the African market for focusing on working capital for inventory, a common constraint for small retailers. The company also reports impact metrics on its site, including 15,000+ jobs created, 65% women-led businesses supported, and 60B+ disbursed (currency not specified).