---
title: "Zanifu: Inventory Financing in Kenya"
description: "Buy stock now, pay later in Kenya: get inventory on credit, repay after sales. Suppliers are paid in real time; zero collateral for qualifying MSMEs."
canonical_url: "https://liners.com/zanifu"
markdown_url: "https://liners.com/zanifu.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/zanifu/screenshot.webp?v=1781031576897"
published_at: "2026-06-15T16:07:00.057Z"
updated_at: "2026-10-05T10:59:59.909Z"
---

# Zanifu: Inventory Financing in Kenya

Buy stock now, pay later in Kenya: get inventory on credit, repay after sales. Suppliers are paid in real time; zero collateral for qualifying MSMEs.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Zanifu](/zanifu)

## Summary

Buy stock now, pay later for retailers and suppliers

Inventory financing platform that helps Kenyan MSMEs buy stock from suppliers on credit, pay after sales, and enables real-time supplier payments for faster turnover.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.zanifu.com/ |
| Tagline | Buy stock now, pay later for retailers and suppliers |
| Primary country | Kenya |
| Platforms | Web, Android |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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).

## Features

- [Fintech](/categories/fintech): Category
- [B2B](/tags/b2b): Product feature or technology
- [BNPL](/tags/bnpl): Product feature or technology
- [Lending and Loans](/tags/lending): Product feature or technology
- [Kenya](/countries/kenya): Market

## Related pages

- [Alternatives](/zanifu/alternatives)
- [Reviews](/zanifu/reviews)
- [Transparency](/zanifu/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/zanifu)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)