Envoy
Envoy
alpha

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Growth partner for Medium & Small sized businesses

Modern financial tools empowering SMBs in emerging markets to unlock access to finance, seamless payments and build better credit score

Backed & trusted by

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Schiba

Turn your unpaid invoices into working capital

Access your working capital in time by selling your unpaid business receivables.

Get Started
01.
For healthcare providers

Turn pending health insurance reimbursement invoices into instant cashflow for your operations

02.
For FMCGsComing Soon

Quickly access cashflow by selling your unpaid invoices at a competitive rate without waiting

Expand your investment portfolio

Become a Partner

Enjoy low default risk as every business & assets are verified hence reducing net default on repayment.

Access to bouquet of short-term investments with an average tenor of 3-months to fit into your portfolio needs

Flexible operational model depending on your business model. Deploy through EnvoyX as debt or manage your funds & investments directly using our tools or yours

Invoice financing

See overview of invoices matched to you for financing

798,400,500 XOF

Volume processed

This is the overall total number of invoices you've financed so far. All invoices are recorded as a loan

Last 6 monthsAll invoices
PrintDownload
1524Total invoice processed
105Pending Invoices
46Rejection count

782,555,100 XOF

Financed Invoices

10,000,840 XOF

Pending Invoices

5,800,560 XOF

Rejected Invoices

How Lapaire Glasses Recovered Over $28K Overdue Insurance Invoices

Having a massive turnaround with pending insurance claims repayment for a couple TPA's we've been working with was a super magic we never expected from EnvoyX during this period of alpha test with them.

One platform. All ftools.

Open accounts, transfer funds, and pay bills instantly - no branches, no waiting. Get more done daily with a beautifully simple interface.

Get an EnvoyX business account

Enjoy seamless money transfer, real time insights & card payments.

What does this mean?

Business Account

Coming Soon

No paper work required! Get a business account to manage all your businesses transactions.

Global Payment

Coming Soon

Pay your employees, vendors, receive & send money locally in BECEAO and internationally

Expense Management

Coming Soon

All expenses under control: with budgets, automatic receipt collection & tailored access.

Future-Proof Invoice Verification & Credit Management

We provide loans to business owners to help them finance additional inventory purchases and expand their businesses.

AI POWERED INVOICE VERIFICATION

Credit scoring & due diligence checks workflow that systematically validates eligibility of businesses

Automated invoice verification cutting the risks of delayed payments and repayments

INTELLIGENT & SEAMLESS CREDIT MANAGEMENT

360 reporting & insights on overall operational standpoint & performance of all credit products

Financial & behavioural data analysis for better loan decisioning process

See Why Businesses Love Using EnvoyX

Faster turnaround on invoice financing within 24-48 hours

$1m

Overall volume of invoices financed since 2023.

Get Started

Trusted by Africa's fastest growing medium & small scale businesses

Vitalis
PA
Ascoma
Ankara
MCI

Crucial tool for reducing operational costs across the board.

John BJohn B

Artifact has transformed how we handle costs while significantly increasing our direct revenue stream.

Lucy PLucy P

The platform lets us stand toe-to-toe with industry giants thanks to its robust technology.

Cody LCody L

Most Frequently Asked Questions

Learn everything about EnvoyX and the most frequently asked questions.

EnvoyX is a fintech platform that provides SMEs with access to credit financing and business tools that help streamline payments and build a strong, reliable credit profile over time.