Clear pricing. No collateral. Your buyer is the credit.

Turn unpaid invoices into cash in days, not months.

Terarchy helps African businesses get paid faster by turning unpaid invoices from reputable buyers into cash, giving them the working capital to keep operating smoothly.

Get StartedTry the calculators

For suppliers

If you supply goods or services to large companies on 30–90 day terms, you already have the credit. You need the cash.

  • Get liquidity in 24–72 hours after approval
  • No collateral required
  • Transparent fees with clear invoice pricing
Start as supplier

For investors

Fund verified invoices and earn short-term returns with clear risk and transparent pricing.

  • Marketplace fee applies per investment
  • Pay with Paystack (NGN) or stablecoin (USDC)
  • Track investments and payouts in your dashboard
Start as investor

Quick calculators

Estimate your payout as a supplier, or your expected return as an investor.

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%)₦75K
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
Expected profit₦55.5K