the infrastructure that gets Businesses funded.
We are the infrastructure that moves capital to the businesses that have always deserved it, faster than the traditional system ever could.
backed & partnering with leading financial institutions in the region
Give your merchants the capital to grow with you.
Your customers get access to capital to grow their business, and you earn revenue every time they do.
Transaction Data Credit built from your platform's data- Instant settlement for merchants after delivery confirmation
- Supply chain finance for supplier merchants
- One integration. Three credit products ready at launch.
Manage your account payables
Keep your cashflow intact while your suppliers get paid on time, every time.
- Your suppliers paid instantly without touching your working capital
- You become the corporate every supplier wants to prioritize
- Financially stable suppliers deliver better and more reliably
For lenders and banks
Expand your lending portfolio into new markets
Expand your lending book into new, well risk-managed markets while reducing the cost of running your entire credit pipeline.
- Access pre-vetted deal flow from verified businesses
- Portfolio monitoring and collections built in
- AI-assisted underwriting and credit decisioning
- Expansion into markets your current infrastructure cannot reach
Real businesses. Real results
How Lapaire Glasses recovered over $88K On overdue insurance invoices
Jerome Lapaire
CEO @ Lapaire Glasses
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.
Most Frequently Asked Questions
Learn everything about EnvoyX and the most frequently asked questions.
EnvoyX is a financial infrastructure platform that connects lenders, corporates, and businesses to move capital faster. We provide the rails, intelligence, and compliance tools that make asset-based financing work at scale.
We serve all sides of the credit equation. Lenders and financial institutions get AI-powered credit operations tools. Businesses get access to capital against their verified assets. Both sides run on the same infrastructure.
Most platforms are built for one side — either the lender or the borrower. EnvoyX is infrastructure for both. We don't originate loans; we power the institutions that do, while giving businesses the tools to qualify faster and with less friction.
Instead of relying solely on credit history, asset-based financing uses your verified receivables, inventory, or purchase orders as collateral. EnvoyX verifies those assets in real time so lenders can make faster, more accurate funding decisions.
We are currently active across sub-Saharan Africa and expanding into emerging markets where traditional credit infrastructure is underbuilt. Our platform is designed to operate in high-growth, data-sparse environments.
No. EnvoyX is a technology infrastructure provider, not a bank or lender. We partner with licensed financial institutions to power their credit operations — we don't hold deposits or issue loans directly.
Built secure from day one.
Security is designed into every product we build. From data protection to regulatory compliance, we meet the standards that matter across every market we operate in. Formal NDPC, CNIL, and GDPR certification soon.