What is the best Zanifu alternative in Kenya for buying stock on credit?

For stock BNPL in Kenya, Sevi is a close fit because it helps retailers and wholesalers order inventory on credit while suppliers get upfront payment. Sevi is available in Kenya and Uganda, which also helps if you trade across the border.

What can I use instead of Zanifu if I mainly want M-Pesa payments and supplier payouts?

If your priority is accepting Lipa na M-Pesa and paying suppliers or staff, Kopo Kopo is the most direct alternative. It supports M-Pesa till payments plus bulk payouts, and operates in Kenya, Rwanda, and Tanzania.

Which apps like Zanifu offer unsecured working-capital loans in East Africa?

If you want a cash loan rather than inventory credit, Numida is a strong option for micro and small businesses. It offers unsecured working-capital loans and is available in Kenya, Rwanda, and Uganda.

Is Zanifu available outside Kenya, and what are the closest cross-border options?

Zanifu primarily operates in Kenya, so if you need clear coverage across more countries you will likely compare Sevi (Kenya and Uganda) and Kopo Kopo (Kenya, Rwanda, and Tanzania). For Uganda coverage that includes trade workflows, Credify is also active in Kenya and Uganda.

I run a lending business, which Zanifu competitor helps with collections and recovery?

If your need is collecting repayments and managing delinquent accounts, BFREE is designed for lender-side collections automation and credit management. It is available in Kenya, Ghana, and Nigeria, and can also support recovery workflows beyond a single lending product.

What is a good alternative to Zanifu for borrower verification before lending?

For verifying income and work history signals, Cr3dentials is purpose-built for lenders and fintechs. It validates reputation and work history from sources such as Upwork, YouTube, Shopify, and Binance, and is listed as pan-African.

Which Zanifu alternative fits importers who need to finance invoices and pay overseas suppliers?

If you are importing rather than stocking locally, Credify is a better match because it combines invoice financing with paying overseas suppliers and shipment tracking. It is available in Kenya and Uganda.

32 Best Zanifu Alternatives & Competitors (2026)

The most practical Zanifu alternatives for inventory and working-capital credit in 2026 are Sevi, BFREE, Cr3dentials, Advancly, and Kopo Kopo. The right pick depends on where you operate, whether you need stock BNPL versus a cash loan, and how much of your flow is payments, credit, or collections.