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The neobank for Francophone Africa

We make access to credit easier in West Africa through innovative solutions: reverse factoring and deferred payments (B2B and B2C BNPL), supported by intelligent risk models.

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Finco supply chain finance interface showing an approved invoice

Innovative financing solutions for businesses.

Supply Chain Finance Solutions

Supply chain finance interface with approved invoice details

Turn outstanding invoices into immediate working capital, backed by your buyers' creditworthiness instead of supplier collateral.

Business-Focused Buy Now Pay Later (B2B BNPL) Solutions

Business deferred payment interface with available credit and settlement options

Give business customers flexible payment terms so they can order today and pay later while you get paid upfront.

Consumer-Focused Buy Now Pay Later (BNPL) Solutions

Consumer payment plan interface showing instalments and a repayment schedule

Empower your customers with adaptable payment solutions that drive sales and foster brand loyalty.

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Industry solutions

Custom financing for every industry. However you operate.

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Healthcare providers

Two small business owners standing outside their storefront

Collect your insurance invoices within 48 business hours

Finco pre-finances your invoices within days to preserve your cash flow, so you can stop chasing payments.

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Electronics retailers

Finco buy now, pay later checkout and repayment interface

The easier it is to pay, the bigger the order

30 to 60-day deferred payment, no collateral required, to sustainably boost business growth with our BNPL solution.

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Manufacturing suppliers

Finco invoice financing dashboard for supplier working capital

Turn outstanding invoices into immediate working capital

Finco advances working capital against purchase orders, allowing you to expand your inventory and territory without bank paperwork.

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Vehicle dealers

Finco flexible payment plan interface for customer purchases

Offer affordable vehicle financing to drive more sales

Enable customers to purchase cars and motorcycles with flexible payment plans while you receive full payment upfront.

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Construction companies

Finco invoice interface showing project payment details

Bridge payment gaps between projects with invoice financing

Integrate Finco credit in-store or online to increase conversion and basket size while we take on the repayment risk.

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Government contractors

Finco funding status interface for an approved contract payment

Access funds while waiting for public sector payments

Get paid in 48 hours against approved government contracts instead of waiting months for bureaucratic payment cycles.

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How it works in three simple steps

Our streamlined process makes financing easy and efficient. Follow these simple steps to get the funds you need.

  • 01

    Sign up and verification

    Quick account setup with identity verification to get started with our platform.

Protecting your data with compliance standards

Your personal data is protected under Benin's Digital Code (Law No. 2017-20) and registered with APDP (Autorité de Protection des Données à caractère Personnel), ensuring full compliance with local data protection standards.

Ready to unlock your financing?

Secure, compliant financing designed for African businesses.

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