About Zanifu
Zanifu is a financing platform from Zanifu that provides financial access to SMEs in Africa. It combines no assets required, borrow with ease, and credit without risk so business owners can secure necessary funds without traditional barriers. With a focus on enabling small and medium enterprises, Zanifu has impacted over 15,000 businesses. The platform allows users to contact support via email or phone 24/7, ensuring they receive assistance whenever needed. Key capabilities: financial access easy borrowing no collateral needed 24/7 support SME empowerment Best for: small and medium enterprises looking for flexible financing options.
Zanifu Details
Vendor
Zanifu
Year Launched
2017
Location
Kenrail Towers, 4th Floor, Mkungu Close, Nairobi, Kenya; P.O. Box 66877-00800, Nairobi, Kenya
Deployment
Training Options
Countries Served
Kenya
Languages
English
Users
SMEs, Retail Shop Owners, Wholesalers, Distributors, Informal Traders
Industries Served
Retail, Wholesale, Distribution, FMCG, Small Trade, Micro-Enterprises
Tags
FinTech, Inventory Financing, SME Lending, Working Capital, B2B Credit, Retail Finance, Supply Chain Finance
Zanifu's In-App Market Place
Does Zanifu have an in-app market place?
Yes
How many Mini-Apps in the marketplace?
1
Mini Apps
N/A
Pricing Options
Free trial
Free version
Request a quote
Promo Offer
Accepted Payment Currencies
KES (KSh)
Pros & Cons
- Improves cash flow by funding inventory upfront and allowing repayment only after successful sales
- Reduces reliance on traditional banks by offering collateral-free credit to underserved SMEs
- Speeds up restocking through direct supplier payments, minimizing lost sales from stockouts
- Supports business growth by scaling credit limits as turnover and repayment history improve
- Uses alternative data for fair credit scoring, enabling access for informal and small retailers
- Funding can only be used for inventory purchases, not for other operational expenses
- Approved supplier requirement may limit flexibility in sourcing from informal vendors
- Credit limits depend heavily on sales history, which may restrict new businesses initially
- Repayment schedules may strain cash flow during slow sales periods or seasonal downturns
- Interest and fee structures are not publicly transparent, making cost comparison difficult