Invoice financing for African businesses

Turn unpaid invoices into working capital.

Terarchy helps eligible African suppliers get paid sooner by financing verified invoices from reputable buyers. We manage verification, funding, and settlement in one platform.

Funding is subject to verification, eligibility, available capital, and transaction risk.

Verification-first infrastructure

Verification before private capital moves.

Terarchy's invoice-backed private credit infrastructure reviews supplier, buyer, invoice, payment-right, and transaction-readiness information before an opportunity can be presented for funding.

  1. 01

    Supplier

    Reviewed before funding eligibility

  2. 02

    Buyer

    Reviewed before funding eligibility

  3. 03

    Invoice

    Reviewed before funding eligibility

  4. 04

    Payment rights

    Reviewed before funding eligibility

For suppliers

Submit eligible invoices, complete verification, track funding progress, and request available payouts.

  • Clear verification status
  • Transparent funding progress
  • One operational dashboard

For capital providers

Review verified invoice-backed opportunities, understand the available risk information, fund eligible receivables, and track settlement.

  • Verification context
  • Clear pricing and tenor
  • Portfolio and settlement tracking

Learn before you act

Understand the transaction.

Invoice financing resources

Practical guides to receivables, working capital, and common financing structures.

Browse resources

Common questions

Read concise answers about eligibility, verification, funding, settlement, and risk.

Read the FAQ

Plan with clarity

Model the transaction before you act.

Estimate supplier proceeds or expected capital-provider returns using Terarchy's transaction calculators.

Supplier calculator
Estimate what you can receive in days (not months).

Typical payout window after approval: 72 hours

Estimated listing price₦9M
Origination fee (0.75%)₦67.5K
You receive₦8.93M
Investor calculator
Estimate your expected payout and yield.

Typical invoice terms: 30–90 days

Marketplace fee (0.50%)₦2.5K
Paystack processing fee₦2K
Total charged₦505K
Expected payout (≈ 60 days)₦560K
Estimated net return₦55.5K

Terarchy for mobile

Coming soon

iOS and Android apps are on the way.

  • iOS
  • Android