Merchant financing

Working capital scored on your marketplace sales, settlements and ratings

Active facilityInventory finance

OutstandingRWF 1,200,000

Repaid RWF 800,000 of RWF 2,000,00015% of each settlement

Note: Repayments are collected automatically from your future settlements. Disbursement went to your Efashe merchant wallet.

View statement

Repayment from settlements15% share

Settlement run	Settled	Repaid (15%)
14 Jul (T+1)	RWF 1,333,000	RWF 200,000
10 Jul (T+1)	RWF 1,333,000	RWF 200,000
6 Jul (T+2)	RWF 2,666,000	RWF 400,000

A fixed 15% share of each settlement is applied automatically until the facility is repaid. There is no fixed instalment calendar; repayment follows your sales.

Financing options

Cash advance

A lump sum against recent sales, repaid from settlements.

up to RWF 2.0M

Revenue based

Repay a share of daily sales until settled.

up to RWF 3.0M

Settlement backed

Advance against pending settlement payouts.

up to RWF 1.5M

Inventory finance

Stock up now, repay as you sell.

up to RWF 4.5M

Applying opens the standard Efashe loan workflow. Decisions use your marketplace performance; funds are disbursed to your merchant wallet only.

Merchant financing

Not available on your account yet

Financing is offered on settlement history, not on documents. That is why there is nothing to fill in: the inputs build up as you trade.

What is needed	You	Threshold	State
Months of settled trading	2	3	One month to go
Average monthly settled sales	RWF 640,000	RWF 500,000	Met
Quality score	78	70	Met
Open disputes	1	0	Resolve it first
KYB tier	KYB-2	KYB-2	Met

On current trading you would expect an offer around RWF 1,150,000 once the third month closes and the open dispute is settled. Nothing is guaranteed until it is offered.

Resolve the open dispute

Facility active

Merchant working capital - LN-MER-2026-0331

See it in settlement

RWF 2,000,000 is in your business wallet. Disbursed to the wallet, not to your bank, so it is usable for stock immediately.

Outstanding

RWF 1,614,000

of RWF 2,070,000

Repaid so far

RWF 456,000

22% cleared

Settlement share

18%

Deducted before payout

Expected clear

12 Sep 2026

At current trading

Settlement run	Gross	Facility share	Paid to you
19 Jul, T+1	RWF 1,284,900	- RWF 231,282	RWF 1,053,618
18 Jul, T+1	RWF 902,400	- RWF 162,432	RWF 739,968
17 Jul, T+1	RWF 346,000	- RWF 62,280	RWF 283,720

Facility	Merchant working capital
Amount	RWF 2,000,000
Term	90 days
Interest	3.5% flat for the term
Repayment	18% of every settlement until cleared
Total repayable	RWF 2,070,000
Disbursed to	Your Efashe business wallet, same day