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Financing infrastructure for West Africa

Scale flexible financing across West Africa.

Launch supply chain finance, deferred payment, and BNPL products with a licensed partner built for WAEMU markets.

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Finco dashboard for invoice financing and buyer approvals

Finco platform benefits

Configure around each product.

Support invoice finance, net terms, and installment payments without forcing every customer into one rigid journey.

Support modern payment needs.

Give suppliers, buyers, merchants, and consumers payment options that match how they already do business.

Move faster than bank paperwork.

Use digital onboarding and data-driven assessment to compress decisions from months into days.

Three products. One financing infrastructure.

Supply chain finance

Turn approved invoices into working capital.

Finco advances funds against approved buyer invoices, so suppliers can keep inventory, payroll, and operations moving while payment terms run their course.

Finco invoice financing dashboard with approvals and repayment schedules

B2B deferred payment

Offer net terms without waiting to get paid.

Let business buyers choose deferred payment at checkout. Finco pays the seller upfront and manages repayment in the background.

Business checkout showing pay-on-terms options, repayment timing, and merchant payout

Consumer BNPL

Make bigger purchases easier to complete.

Consumers split payments into responsible installments while merchants improve conversion and receive the certainty of upfront settlement.

Consumer installment offer showing two-, three-, and four-month options with a repayment schedule

Built for the gap banks still leave open.

Finco is designed for fast, data-driven financing where traditional lenders still rely on collateral, branches, and long approval cycles.

target decision window for working-capital financing
24-48h
of businesses and individuals excluded by traditional banks
80%
traditional collateral requirement for buyer-backed supplier finance
0

More financing use cases are next.

The same infrastructure can expand into payroll, inventory, agricultural, and vehicle financing as the network grows.

Coming soon

Salary Advance

Responsible access to earned income for formal and informal workers.

Coming soon

Pay With Finco

Deferred payment for entrepreneurs who need inventory before revenue arrives.

Coming soon

Vehicle Finance

Flexible financing for cars, motorcycles, and dealer partnerships.

The Finco advantage

Hours instead of months, technology instead of paperwork. Here’s how we compare.

Criteria
Finco Faster & better
Traditional Banks

Overview
Payment Speed
24-48 hours
30-45 days
User Experience
Digital-first, mobile-optimised
Branch-based, paperwork-heavy
Application Process
Clear, streamlined journey
Constantly changing requirements
Collateral Requirements
None (leverages buyer credit)
Onerous collateral that defeats the purpose
Documentation
Streamlined digital submissions
Extensive financial records and statements
Credit Assessment
Data-driven, buyer creditworthiness
Traditional models, supplier risk focus

Reporting and analytics
Interest Rates
Competitive (buyer's credit)
High (supplier risk premium)
Transparency
Clear pricing upfront
Hidden fees and charges
Accessibility
Serves SMEs and informal businesses
Upper segment only (10% of population)
Relationship Model
Direct digital engagement
Relationship manager dependent

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.

Start with the financing product your customers need now.

Tell us about your market, your buyers, and your payment flows. We will help shape the right launch path.

Contact us