Live health score
A single explainable score built from turnover, invoice performance, buyer concentration, account inflows and repayment history — refreshed as the business trades.
Lending
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
What you get
Pre-qualified offers
Suppliers see the limit, rate and tenor they already qualify for. No blind application, no waiting to be told no.
Invoice discounting
Draw against receivables outside a formal anchor programme when the buyer relationship is established but not yet on SCF.
Repayment from cash flow
Instalments are collected from the same accounts and wallets the business already settles through, so nothing sits outside the ledger.
How it works
- 01
Score
Trading, invoice and account data produce a health score and risk band.
- 02
Offer
Eligible limits, rates and tenors appear in the SME workspace.
- 03
Accept
The supplier picks an offer and confirms the drawdown amount.
- 04
Disburse
Funds settle to the supplier's connected account.
- 05
Repay
Instalments clear automatically and rebuild the score.
Pricing
Indicative pricing for the Kenya pilot. Final rates are set per programme by the funding bank and confirmed in your facility letter.
Discounting
Short-term draw against receivables
2.1%
per 30 days
- Up to 80% of the invoice
- 30–90 day tenor
- No arrangement fee under KES 1M
- Repay on invoice settlement
Working capital
Most usedTerm loan for stock, staff and expansion
from 2.6%
per month, reducing balance
- KES 250K–10M
- 3–18 month tenor
- 1.5% arrangement fee
- Monthly instalments
- Early settlement with no penalty
Scale
Larger facility for proven programme suppliers
from 2.1%
per month, reducing balance
- KES 10M–25M
- Up to 24 month tenor
- 1% arrangement fee
- Structured drawdown schedule
- Quarterly credit review
Key terms
- Facility type
- Unsecured term loan or invoice discounting line
- Limit
- KES 250,000 to KES 25,000,000, set by risk band
- Tenor
- 3 to 24 months for term loans, 30 to 90 days for discounting
- Interest
- 2.1%–3.4% per month on reducing balance, by risk band
- Arrangement fee
- 1%–1.5% one-off, deducted at disbursement
- Repayment
- Monthly instalments by direct collection from the connected account
- Late payment
- 3% per month on the overdue instalment after 5 days
- Eligibility
- Health score 60+, 12 months trading history, completed KYB, no active arrears
Use cases
Wins a second regional route and needs stock and a delivery vehicle before the first invoices are due.
Draws a 12-month working-capital loan against a score built from existing programme performance.
Sells to buyers who are not on an anchor programme, so SCF is not available on those invoices.
Uses invoice discounting to release 80% of receivables while the anchor programme is being set up.
Needs stock ahead of a peak season but has irregular monthly income.
Takes a short tenor facility sized to seasonal inflows rather than a flat monthly average.
Questions
Do I need to be on an anchor programme?
No, but suppliers on a live programme score higher because their invoice and repayment history is already verified.
How is my limit calculated?
From verified turnover, invoice performance, account inflows, buyer concentration and repayment behaviour. The factor breakdown is visible in your credit profile.
Can I settle early?
Yes. Interest is charged on the reducing balance and there is no early settlement penalty.
Ready to put Growth Capital to work?
Onboard in a day and fund your first verified invoice this week.