Embedded capital for platforms in Africa
Offer working capital to your merchants, in your brand. They repay from their daily sales.
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Sales, last 14 days
KES 1,184,250.00
Capital offer
You can get up to
KES 450,000.00
Funded by a partner lender. Sample offer, not a quote.
Your brand
On every offer and email
1
Integration for every market
Daily
Repayment from sales
What you get
ELIGIBLE MERCHANTS
SAMPLE
Amani Hardware, Nairobi
KES 450,000.00
Iya Basira Foods, Lagos
NGN 3,200,000.00
Kofi Phones, Kumasi
GHS 42,000.00
Ndovu Pharmacy, Kampala
UGX 18,500,000.00
Gizo calculates an offer for each eligible merchant. The merchant sees it where they already check sales.
DAILY REPAYMENT
10% OF SALES
KES 3,842.00
Taken from sales of KES 38,420.00 today
A fixed share of each day's sales repays the advance. On a slow day, the merchant pays less.
FUNDING
SAMPLE
Funded by
Partner lender
From your balance sheet
KES 0.00
Credit risk on your platform
None
Licensed partner lenders put up the money. Your platform does not fund advances or carry their credit risk.
PLATFORM SHARE
MONTHLY
Revenue share is agreed per platform.
Paid to you
Every month
Report
Per advance
Cost to launch
None
Your platform gets a share of the revenue from each advance. We agree the share with each platform.
How it works
You share data. Gizo does the pricing, the servicing and the collection. Each step shows in your reports.
Send sales and payout data for your merchants through the API. Merchants give consent first.
Gizo uses the data to find eligible merchants. It calculates an amount and a charge for each one, inside the lender's credit policy.
The merchant picks an amount and accepts in your product. A partner lender sends the funds.
A fixed share of each payout goes to the advance. Repayment stops when the total is paid.
Send sales and payout data for your merchants through the API. Merchants give consent first.
Gizo uses the data to find eligible merchants. It calculates an amount and a charge for each one, inside the lender's credit policy.
The merchant picks an amount and accepts in your product. A partner lender sends the funds.
A fixed share of each payout goes to the advance. Repayment stops when the total is paid.
Launch options
Pick your integration path: no code, low code or fully custom.
You settle card and mobile money payments for merchants. Repayment comes from the settlement.
You see every sale at the till. Offers show in the back office.
Sellers get paid through you. Offers show next to their payouts.
Restaurants, shops and drivers earn through your app. Repayment comes from their earnings.
You supply thousands of retailers. Offers help them buy more stock.
Clinics, schools and salons run on your software. Offers show in their dashboard.
Planned markets
We plan to support these markets. Each advance is in the merchant's local currency.
FAQ
Tell us about your platform. We reply in one working day.
Licensed partner lenders fund every advance. We will name them before launch. The platform does not fund advances and does not carry their credit risk.
No. If a merchant does not repay, the loss does not go to your platform.
Each offer has one charge, set inside the lender's approved product. The merchant sees the charge, the total cost and the APR before they accept.
A merchant needs a sales history on your platform and must give consent to share it. They do not need collateral.
We plan to start in eleven markets across Africa. Each advance is in the merchant's local currency. The list of planned markets is on this page.
Gizo is in early access. It is not live for merchants yet. We are talking to platforms and lenders now. Tell us about your platform to join early access.
Gizo is in early access. Tell us about your platform and we will reply in one working day.
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