Embed financial technology into your business
one integration. Three ways to add real value for your customers.
The financial operating system for African SME's. Tailored credit, daily-yield savings, insurance, and business intelligence in one place.
Contact Partnerships TeamThree Products.
We offer affordable, tailored credit, daily-yield savings, insurance, and business intelligence in one place. That means your customers get the financial tools they've been missing without you becoming a lender.
Order Now, Pay Later
Approved customers order now and pay over time. You still get paid today.
Neobank
Give your agents, drivers, or members a wallet that pays and lends to them.
Invoice Discounting
Turn unpaid invoices immediately into cash for your customers or suppliers.
Order Now, Pay Later (ONPL)
APPROVED MERCHANTS ORDER NOW AND PAY OVER TIME. YOU GET PAID TODAY.
We pre-assess eligible customers in advance. Approved customers choose to pay in cash or with Cowdi Credit. Cowdi settles you immediately, and customers repay over time.
Learn MorePay 7 days after receiving goods
Free up your suppliers' cash
Apply for loans in 1 minute via USSD
Our application is fast and simple
Partner gets paid straight away
We advance the funds and settle when the invoice is paid
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Avg order value (18,783 → 26,006 KES, p<0.001)
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Return rate vs cash orders (10.4% vs 17.7%)
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Stickiness. 60-day active vs control
ONPL at checkout to pre-scored merchants. Measured against the same merchants' cash orders over a 6-month window.
Neobank
GIVE YOUR MEMBERS A WALLET THAT PAYS AND LENDS TO THEM.
We power savings-and-loan products that sit inside your platform. Your people get paid into a Cowdi wallet, earn daily interest on savings, and unlock credit based on their history with you.
Learn MoreSavings
Savings accounts directly in the app earning daily interest
Credit
Credit paid into wallets with loans calculated from transaction history
Larger, fixed-tenure terms
Larger credit lines unlocked for clients who need bigger limits
Members pay into a Cowdi wallet
Earn daily-yield savings on idle cash
Pre-assessed for credit on their history
Term loans repaid from earnings
Invoice Discounting
TURN UNPAID INVOICES INTO CASH YOUR CUSTOMERS CAN USE.
Your vendors get paid upfront on approved invoices while you pay on your normal terms. Frees up suppliers' cash and tightens the supply chain. Cowdi advances funds and settles when the invoice is paid.
Products that fit your business
Contact PartnershipsBuilt on data you already have
Pre-assessment uses existing transaction history from your data.
Customers stick around
Access to credit measurable lifts order value and retention.
Zero risk to your books
We handle credit assessment and collections for you.
