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Unlock cash flow with intelligent financing

Get paid faster, extend payment terms, and access working capital through BCEAO-licensed financial solutions built for West African businesses.

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Financial dashboard showing payment processing Payment notification showing funds sent successfully
Business analytics and payment insights Benefits card showing early payment advantages Supplier invoice showing payment details
Problem

Are you waiting 60-90 days to be paid by your customers?

Business owner reviewing unpaid invoices on computer
Mobile app showing rapid payment approval notification

Get paid in 24-48 hours using buyer creditworthiness

How it works
  • Submit invoice
  • Rapid approval
  • Get paid
Learn more
Problem

Are customers abandoning purchases due to upfront payments?

Customer making purchase with payment options display
Payment plan selection interface showing BNPL options
Product interface showing BNPL checkout process
Mobile payment confirmation screen

Offer flexible payment terms to boost sales conversion

Three simple steps
  • Customer selects BNPL
  • Instant financing offers
  • Complete purchase
Learn more
Problem

Consumers can't afford large purchases, limiting merchant sales?

Consumer shopping in retail store with payment options
Credit limit interface showing payment plan details

Enable flexible payments to increase customer spending power

The experience
  • Choose payment plan
  • Quick approval
  • Buy today
Learn more

Finco's disruptive advantage

See how our approach stands out from conventional credit systems.

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

On the roadmap

We're working on exciting new products, so stay tuned for updates!

COMING SOON

Salary Advance

Facilitate access to responsible credit for employees in both the formal and informal sectors.

COMING SOON

Pay With Finco (PwF)

A deferred payment model (Buy Now, Pay Later - BNPL) designed to empower women entrepreneurs by financing their inventory and smoothing their cash flow.

COMING SOON

Agricultural Value Chain Financing

One of the strategic levers for inclusive, resilient, and sustainable economic transformation in Benin and throughout WAEMU.

COMING SOON

Vehicle Finance

Affordable car and motorcycle loans with flexible terms and dealer partnerships

Unlock liquidity now

Discover flexible financing solutions tailored to your business needs and unlock new opportunities.

Book a demo