Platform services

One platform, three products

Every product runs on the same shared records. An invoice financed through Supply Chain Finance strengthens the underwriting behind Growth Capital, and SIRE settles the money end to end.

SCF

Supply Chain Finance

Turn an approved invoice into cash in under 48 hours.

Suppliers upload invoices against a buyer programme, the buyer confirms the amount is payable, and the bank releases early payment. When the buyer settles on due date, repayment clears automatically through the programme collection account.

  • Advance rate:up to 90%
  • Time to cash:24–48 hrs
  • Tenor:30–120 days
  • Security:Invoice only
Lending

Growth Capital

Working capital priced on trading behaviour, not paperwork.

Growth Capital uses the same underwriting data as SCF — health score, verified invoice history, account inflows and repayment behaviour — to offer invoice discounting and unsecured working-capital loans to suppliers already on a programme.

  • Limits:KES 250K–25M
  • Tenor:3–24 months
  • Decision:Same day
  • Security:Unsecured
Payments

SIRE Payments

The rail that actually moves the money.

SIRE is the settlement layer beneath every SokoStack facility. It holds programme wallets, converts currency at live rates, applies rail fees, routes disbursements to supplier accounts and clears buyer payments through the repayment waterfall.

  • Rails:RTGS · PesaLink · M-Pesa
  • FX:Live mid-market
  • Settlement:Same day
  • Ledger:Double entry

Not sure where to start?

Most suppliers begin with Supply Chain Finance and unlock the rest as their record builds.