Hadi

Hadi Finance is a digital finance provider offering working capital products to informal retailers and small and medium-sized enterprise (SME) suppliers. Its stated product set includes inventory financing, which lets retailers and other small businesses stock up without tying up their own cash, and invoice discounting, which advances funds to suppliers that would otherwise wait for customer payment terms of up to around 60 days. Onboarding is organised along two customer tracks, with separate sign-up paths for retailers and for SME suppliers.

The company presents itself as a fully digital operation, with credit and inventory positions managed through an application and customer support advertised as available at all times. It states that funds are disbursed within 48 hours and that it has served more than 2,000 businesses. Its stated mission is to supply accessible and flexible financial products that address working capital constraints, and its stated vision is to become a leading digital finance partner for retailers and SMEs across Africa.

Business model

Hadi Finance extends short-term working capital to small businesses through inventory financing and invoice discounting, delivered digitally with disbursement stated at within 48 hours.

Traction

The company states it has served more than 2,000 businesses and disburses financing within 48 hours, and publishes customer video case studies and testimonials from retailers, a pharmacy owner, a school owner and an event hall owner.