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NewGilani's, Greenwheels and FarmWorks work with Cowdi

Offer your customers credit. Get paid today.

Embed finance into your ecosystem to help your customers, suppliers and your business grow. Leverage Cowdi for order-now-pay-later, wallets and invoice factoring tools.

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One order, start to finishOrder Now, Pay Later
  1. Day 0
    A shop orders KES 26,006 of stockIt pays with Cowdi at your checkout, or by USSD in one minute.
  2. Day 0
    Cowdi pays you in fullYou get the money straight away. Your terms don't change.
  3. Later
    The shop repays CowdiOn M-Pesa, at the end of the agreed term.
Cowdi scores every customer and helps with collections.
Working withGilani'sGreenwheelsFarmWorksMuthokinju Paints & CementChoice Microfinance BankBanking partner

Give your customers the finance they have been missing.

You don't need a lending team. We plug into the data you already have and run the credit for you. Use the Cowdi app, or put it in your own app with the Cowdi API.

Order Now, Pay Later

Live with Gilani's and Muthokinju

Approved shops order now and pay over time. You still get paid today.

Best for distributors and wholesalers.

  1. The shop orders on credit at your checkout or by USSD.
  2. Cowdi pays you straight away.
  3. The shop pays Cowdi back over the agreed term.

Neobank

Live with Greenwheels

Give your agents, drivers or members a wallet that pays them and lends to them.

Best for agent networks, fleets and member groups.

  1. Members get paid into a wallet, in your app or in ours.
  2. Idle cash earns interest every week.
  3. We pre-assess members on their payment history.
  4. Term loans are repaid from their earnings.

Invoice discounting

Turn your suppliers' unpaid invoices into cash, while you pay on your normal terms.

Best for buyers with many small suppliers.

  1. Your supplier submits an approved invoice.
  2. Cowdi advances the funds upfront.
  3. You pay on your normal terms.
  4. Cowdi settles when the invoice is paid.

Businesses that already work with Cowdi.

Distributors that get paid on the day, a fleet whose riders save and borrow in its own app, and mama mboga who restock fresh produce on credit.

Cowdi × Gilani's

Shops order today. Cowdi pays the invoice.

Gilani's sells stock to shops. With Order Now, Pay Later, an approved shop orders on credit, and Cowdi pays Gilani's the full invoice at once. The shop pays Cowdi back 7 days after the goods arrive.

  1. Day 0
    The shop orders its stockAt the Gilani's checkout, or by USSD in one minute.
  2. Day 0
    Cowdi pays Gilani's in fullGilani's gets its money straight away.
  3. Day 7
    The shop pays Cowdi backWith M-Pesa, to the Cowdi paybill.
+38%
Average order value
KES 18,783 → 26,006
−41%
Returned orders
10.4% vs 17.7% on cash orders
+11.5%
Shops active after 60 days
Compared with a control group

Order Now, Pay Later at the Gilani's checkout for pre-scored shops. Measured against the same shops' cash orders over a 6-month window. The order value change is significant at p < 0.001.

The same flow, with another distributor

MuthokinjuHardware shops order paint and cement on credit. Cowdi pays Muthokinju, and the shop pays back in 7 days.

Cowdi × Greenwheels

Credit and savings for boda boda riders.

Greenwheels puts riders in Nairobi on electric motorcycles that they pay off over time. Now riders also save and borrow in the Greenwheels app, which runs on the Cowdi API.

Credit when the road needs it

Riders borrow what they need and pay it back a little each week, from what they earn.

Savings that grow every week

Money in their wallet earns interest, and we pay it in every Monday.

In the Greenwheels app

Cowdi built a white-label web app for Greenwheels on the Cowdi API. Riders save, borrow and pay back there, with M-Pesa.

Cowdi × FarmWorks

Fresh stock for mama mboga, paid at the till.

FarmWorks sells fresh produce to mama mboga and small retailers from its branches in Kenya. Most of these traders are women. With Cowdi, a trader picks up today's stock on credit and pays back within 3 days.

  1. Day 0
    The trader picks up her stockTomatoes, onions and greens from a FarmWorks branch.
  2. Day 0
    Cowdi pays the branch tillFarmWorks gets its money at the counter.
  3. Day 3
    The trader pays Cowdi backWith M-Pesa, from what she sold.

Built on the data you already have.

No new paperwork

We pre-assess your customers on the transaction history you already hold.

Customers stick around

Access to credit lifts order value and keeps more customers active.

Funding that fits you

We fund the credit, share the funding with you, or lend from your capital. We score your customers and help with collections.

Tell us about your customers.

Share how your customers order and pay today. We will show you what credit and savings could do for them.

Email uspartners@cowdi.co