Zanifu

Zanifu is a Kenyan fintech platform focused on inventory financing for micro, small, and medium enterprises, particularly in the fast-moving consumer goods (FMCG) sector. It provides a cloud-based solution that helps retailers and distributors access working capital without traditional collateral by directly financing stock purchases and enabling flexible repayments tied to sales cycles. Its tech-driven model and partnerships have allowed it to disburse substantial capital and support tens of thousands of SMEs, addressing a key gap where traditional banks often exclude smaller businesses from lending. The platform integrates multiple mobile payment options and is designed with simplicity in mind, although detailed pricing and extensive documentation are not publicly available. Zanifu’s focus on financial inclusion and impact makes it particularly valuable to businesses in markets with informal credit access challenges, though its current footprint remains centered in Kenya. Overall, it’s a strong solution for SMEs looking to stabilize cash flow and grow inventory without upfront capital hurdles.