Fueling African Business Growth.
To accelerate SME growth in Africa by providing affordable, flexible, and customer-oriented green supply chain financial services.
To be the preferred supply chain services provider in Africa.
Simplicity
Sound & accurate analysis.
Trust
Integrity & data protection.
Collaboration
Partnerships for impact.
Turn Your
Invoices
Into Cash.
Stop waiting 90 days for payment. Adifa pays you 85% within 24 hours of delivery, so you can fund your next order immediately.
The $19.3 Billion Missing Middle
There is a critical credit gap for financing needs between KES 100,000 and KES 1.0 Million. 46% of MSMEs close due to lack of working capital.
Simple 3-Step Process
We partner with value chain experts to provide patient working capital. You deliver, we pay 85% in 24 hours.
Delivery
Deliver goods to Buyer & Upload Invoice.
Get Paid 85%
Adifa pays you immediately (24h).
Collection
Buyer pays Adifa 100% on due date.
Get Balance (15%)
Adifa remits the remaining balance.
Financing for Every Need
From working capital to specialized green loans, we have a solution for you.
Working Capital Loan
Fast, flexible cash to restock inventory, pay staff, or manage daily operations. Don't let cashflow stalls stop your business.
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Approvals in 24 Hours
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No Collateral Required
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Flexible Repayment
Agri Loan
Specialized financing for Vertical Gardens and Apple Seedlings. Maximize your yield with modern farming solutions.
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Vertical Gardens (Vegetables)
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Asset Financing
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Agri-input Loan
WASH Loan
Clean water and sanitation solutions for your home or business. Financing for tanks, purifiers, and sewer systems.
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Water Tanks & Storage Loan
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Water Purifiers Loan
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Plastic Sewer Tanks Loan
Invoice Financing Loan
Turn your unpaid invoices into instant cash. We pay you 85% of the invoice value within 24 hours.
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Up to 85% Cash Advance
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Bridge Cashflow Gaps
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Grow Your Order Book
Calculate Your Cash Now.
Enter your invoice value to see exactly what you get today.
Vertical Gardens Project
Transforming urban spaces into food security engines.
Apple Seedlings Product
Empowering farmers with high-yield Wambugu Apple seedlings.
Repaid in full. Financed 1,500 seedlings for rural smallholders.
Scheduled for evaluation in May 2026 based on harvest success.
Just 3 Things to Get Funded.
No financial statements. No collateral. Just proof of work.
1. Valid LPO
The Purchase Order or Contract from your buyer showing what they ordered.
2. Delivery Note
Stamped and signed proof that you have delivered the goods or service.
3. Invoice
The final invoice you sent to your buyer for payment.
We Solve Your Cashflow Headaches.
Focus on your business, not your bank balance.
Waiting 90 Days
Your buyers pay late. You can't restock, pay staff, or take new orders.
Paid in 24 Hours
Upload your invoice today. Get cash in your account by tomorrow.
Impossible Paperwork
Banks demand logbooks, land titles, and 3 years of audited accounts.
Zero Collateral
We trust your work. Your valid LPO and Invoice are your security.
Hidden Fees
Application fees, monthly ledger fees, and compounding penalty interest.
One Flat Fee
Pay a small, transparent service fee only when you get funded.
Ready to stop waiting
and start growing?
Join 500+ Kenyan businesses using Adifa to unlock their cashflow. No hidden fees. Approvals in 24 hours.
LPOs and Invoices Accepted
You Ask. We Answer.
Do I really need no collateral?
How fast is "Instant"?
What are the fees?
Does my buyer need to know?
